How long has it been since you compared low-cost insurance rates in Haines City, FL? Paying for pricey insurance in Haines City can overdraw your savings account and possibly require you to analyze your spending habits. Comparing price quotes is free, only takes a few minutes, and is a good way to make ends meet.

Surprisingly, a recent survey revealed that the vast majority of insurance customers kept buying from the same company for at least four years, and roughly 40% of drivers have never shopped around. Many drivers in Florida can save as much as 55% each year by just comparing quotes, but they feel it's too difficult to compare rate quotes online.

Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate on insurance.

If you have a policy now, you will be able to lower your rates using the techniques covered below. Locating the best rates in Haines City is much easier if you know where to start. But Florida car owners should learn how big insurance companies price insurance differently and use this information to your advantage.

How much does insurance in Haines City, Florida cost?

When price shopping your coverage, comparing more rates from different companies gives you a better chance of getting the best offered rates. Some smaller insurers do not give online rate quotes, so you need to compare quotes from those companies as well.

The following companies offer comparison quotes in Haines City, FL. If you want to find cheap auto insurance in Florida, we suggest you click on several of them to get the lowest price.

Insurance Rate Estimates for Popular Vehicles in Haines City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,482 $741 $124
Chevrolet Silverado LTZ Extended Cab 2WD $1,282 $641 $107
Dodge Ram Quad Cab ST 2WD $1,008 $504 $84
Ford Edge Sport AWD $1,374 $687 $115
Ford Escape XLT 4WD $1,068 $534 $89
Ford F-150 Lariat Crew Cab Platinum 4WD $1,394 $697 $116
Ford Focus S 4-Dr Sedan $1,248 $624 $104
Honda Accord EX 2-Dr Coupe $1,624 $812 $135
Honda CR-V EX-L 4WD $992 $496 $83
Honda Civic EX 4-Dr Sedan $1,344 $672 $112
Jeep Grand Cherokee Laredo 4WD $1,432 $716 $119
Nissan Altima 2.5 4-Dr Sedan $1,792 $896 $149
Nissan Rogue SL 2WD $1,496 $748 $125
Toyota Camry Hybrid $1,414 $707 $118
Toyota Corolla LE $1,690 $845 $141
Toyota RAV4 Limited 2WD $1,274 $637 $106
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices greatly.

Driving violations and accidents

The illustration below demonstrates how speeding tickets and accident claims influence Ford Fusion auto insurance rates for each different age category. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Why you need vehicle insurance in Florida

Despite the potentially high cost of car insurance, paying for car insurance is required in Florida but also provides important benefits.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage in order to license the vehicle. 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 vehicle, most banks will make it mandatory that you buy insurance to guarantee loan repayment. If you default on your policy, the bank may insure your vehicle at a much higher rate and force you to pay a much higher amount than you were paying before.

Third, car insurance preserves both your car and your assets. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.

The benefits of insuring your vehicle more than cancel out the cost, particularly when you have a large claim. An average driver in America is wasting up to $855 a year so we recommend shopping around at every renewal to be sure current rates are still competitive.

Six decisions that affect insurance prices

Consumers need to have an understanding of the rating factors that are used to determine the price you pay for car insurance. When you understand what impacts premium levels, this allows you to make good choices that may result in lower premium levels. Many things are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, but others are more obscure such as whether you are married or your vehicle rating.

Save with these discounts

Car insurance is not inexpensive, but there could be significant discounts that you may not even know about. Many discounts should be triggered when you complete an application, but occasionally some discounts must be asked about before you get the savings. If you check and find you aren't receiving every discount you qualify for, you are just wasting money.Car insurance discounts

Please keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, you're out of luck.

Larger car insurance companies and some of the discounts include:

When quoting, ask all the companies which credits you are entitled to. All car insurance discounts might not apply in Haines City. If you would like to choose from a list of insurers who offer free car insurance quotes in Florida, click here.

Insurance losses by coverage

Which vehicles have a tendency to have claims? The statistics below outline the good and bad vehicles for the probability of having to file claims organized by coverage.

Lowest and Highest Collision Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-150 SuperCrew Maserati Ghibli
Smart ForTwo Ferrari 458
Ford Edge Bentley Continental Flying Spur
Ford F-250 SuperCab Audi RS7
GMC Canyon Nissan GT-R
Mini Cooper Bently Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Volvo V60 Audi S7
Chevy Silverado 2500 Bentley Continental GT
Smart ForTwo BMW M6
Ford F-350 Mercedes-Benz S Class
GMC Sierra 2500 Bentley Continental GTC
Infiniti QX50 BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Mitsubishi Mirage
Ford F-250 SuperCrew Chevrolet Sonic
Ford Expedition Chevrolet Spark
Chevrolet Corvette Nissan Versa
Ford F-350 SuperCrew Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle Model
Lowest Claims Highest Claims
Subaru Outback Chevrolet Sonic
Subaru Forester Mitsubishi Mirage
Audi A6 Kia Rio
Mercedes-Benz SL Class Kia Optima
Acura MDX Dodge Charger
Chevrolet Corvette Hyndai Accent

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Final considerations

Discount auto insurance in Haines City is available from both online companies as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and usually these regional insurance providers prefer to sell through independent insurance agents.

In this article, we covered many tips how you can find cheaper coverage online. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the lowest rates come from the least-expected company. These companies often have lower car insurance rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

Additional detailed information can be found by following these links: