Would you like to save money by finding more affordable insurance rates in Delray Beach, FL? High-priced insurance in Delray Beach can empty your personal savings and force you to prioritize other expenses. Doing a rate comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Remarkably, a study showed that a large majority of consumers have remained with the same insurance company for at least four years, and almost half have never quoted rates to find affordable coverage. Consumers in Florida could save themselves $1,130 a year by just comparing rate quotes, but they don't understand how simple it is to find affordable insurance rates. Many car insurance companies vie for your business, and because of this it can be hard to compare insurance companies to find the absolute lowest rate possible on insurance.

It's a good idea to compare prices before your next renewal since insurance rates are usually higher with each renewal. Even if you got the lowest rate on insurance last year there is a good chance you can find better prices now. There are a lot of ways to save on insurance online, but by reading this article, you're going to learn some tested techniques to lower your insurance bill.

If you have insurance now or are looking for a new policy, use these tips to reduce the price you pay without having to cut coverage. Choosing the best rates in Delray Beach is actually not that difficult if you follow our advice. Drivers only need to know the most time-saving way to buy auto insurance on the web.

Save money on auto insurance with these auto insurance discounts

Some companies don't always advertise all their discounts very well, so we break down both well-publicized and also the more inconspicuous credits available to you.Discount auto insurance

A quick disclaimer, most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way.

A list of companies and their offered discounts include:

Before buying, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies in every state. If you would like to view providers with discount rates in Florida, click this link.

The car insurance companies shown below provide price quotes in Delray Beach, FL. To locate the best car insurance in Florida, we recommend you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Delray Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,372 $686 $114
Chevrolet Silverado LT Regular Cab 2WD $1,248 $624 $104
Dodge Ram Crew Cab TRX 2WD $1,730 $865 $144
Ford Escape XLS 4WD $1,252 $626 $104
Ford F-150 Lariat Crew Cab Platinum 4WD $1,216 $608 $101
Ford Focus S 4-Dr Sedan $1,232 $616 $103
Honda Accord EX 2-Dr Coupe $1,090 $545 $91
Honda CR-V EX 4WD $1,242 $621 $104
Honda Civic LX-S 4-Dr Sedan $1,512 $756 $126
Hyundai Sonata SE 4-Dr Sedan $1,866 $933 $156
Jeep Grand Cherokee Laredo 2WD $1,232 $616 $103
Nissan Altima 3.5 SR 2-Dr Coupe $1,396 $698 $116
Toyota Camry XLE $1,520 $760 $127
Toyota Corolla LE $1,344 $672 $112
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in specific Delray Beach garaging location which can revise rates substantially.

Irresponsible driving raises your rates

The illustration below illustrates how traffic citations and at-fault claims can raise Toyota Corolla annual premium costs for different insured age categories. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

How to lower your insurance rates

Lots of factors are used when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are more obscure such as your credit history or your commute time. Consumers need to have an understanding of a few of the rating criteria that aid in calculating insurance rates. When consumers understand what controls the rates you pay, this enables informed choices that could help you find lower rates.

The itemized list below are some of the most common factors used by companies to determine your rates.

More miles driven equals more premium - The more you drive in a year the higher the price you pay to insure it. Almost all companies rate vehicles partially by how you use the vehicle. Autos that do not get driven very much qualify for better rates than vehicles that are driven to work every day. It's a good idea to make sure your insurance policy shows annual mileage, because improper ratings can cost you money.

Experienced drivers are lower risk - More experienced drivers are shown to be more cautious, tend to file fewer claims, and tend to be get fewer driving tickets.Inexperience drivers are proven to be more careless with other occupants in the car therefore insurance rates are much higher.

Cheaper to insure women? - Over the last 50 years, statistics have shown that females take fewer risks when driving. That doesn't necessarily mean that females are better at driving than males. Both genders get in at-fault accidents in similar numbers, but the males tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving.

Never have policy lapses - Driving without insurance coverage in place can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay higher rates, getting caught without coverage may earn you a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Florida motor vehicle department to get your license reinstated.

Keep insurance rates low by being claim-free - If you file claims often, you shouldn't be surprised to get increased rates or even have your policy non-renewed. Companies in Florida generally give discounts to people who are claim-free. Auto insurance is intended for larger claims.

Drive a fast vehicle and pay more - The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in the rate you pay. The most favorable rates will generally be found on smaller low performance passenger cars, but other factors influence the final cost greatly.

Driving citations can be expensive - Getting just one chargeable violation can increase rates substantially. Attentive drivers tend to pay less for car insurance than their less careful counterparts. Drivers unfortunate enough to have flagrant violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state's department of motor vehicles in order to drive a vehicle legally.

Get better rates if married - Having a spouse can get you a discount on your insurance policy. Marriage translates into being more mature and statistics prove being married results in fewer claims.

Why car insurance is not optional

Even though rates can get expensive, buying car insurance serves a purpose in several ways.

First, just about all states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, it's most likely the lender will force you to have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your vehicle for a lot more money and require you to pay for the much more expensive policy.

Third, car insurance preserves not only your vehicle but also your assets. Insurance will also pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance greatly outweigh the cost, especially if you ever need it. Unknowingly, the average driver overpays more than $855 a year so it's very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.

Insurance claim statistics

Which vehicles have a tendency to have claims? The statistics tables below show the highest and lowest models for the overall chance of having large claims organized by coverage.

Lowest and Highest Auto Insurance Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Mini Cooper BMW 6 Series
Smart ForTwo Maserati Granturismo
Chevrolet Colorado Nissan GT-R
Ford F-250 SuperCab Maserati Ghibli
Ford Edge Bently Continental GT
Nissan Xterra Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Bentley Continental GT
Smart ForTwo Audi S7
Nissan Xterra BMW M6
Nissan Leaf Maserati Granturismo
Volvo V60 Mercedes-Benz S Class
Chevy Spark Bentley Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Acura MDX Kia Rio
Volvo XC60 Hyndai Accent
Fiat 500 Mitsubishi Mirage
Subaru Forester Chevrolet Sonic
Subaru Outback Chevrolet Impala
Mercedes-Benz SL Class Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Nissan Sentra
Audi A4 Allroad Mitsubishi Mirage
Ford F-250 SuperCrew Dodge Charger
Land Rover Range Rover Sport Chevrolet Sonic
Ford Expedition Chrysler 200
Tesla Model S Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Find cheaper insurance rates by comparing often

You just learned many ways to save on insurance in Delray Beach. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest priced insurance comes from an unexpected company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. In many instances, someone sacrificed collision coverage and learned later they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at the best possible price, but do not skimp to save money.

Lower-priced insurance in Delray Beach can be sourced online as well as from independent agents in Delray Beach, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer online price quotes and these smaller providers work with independent agencies.

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