Searching for the cheapest insurance for your car in Florida could be difficult, but you can use the following methods to make it easier.

There is a better way to compare car insurance rates so we're going to tell you the absolute fastest way to price shop coverage on a and find the lowest price from North Port insurance agents and online providers.

Sadly, most car insurance customers kept their policy with the same company for well over three years, and approximately 40% of consumers have never even compared rates from other companies. With the average car insurance premium being $2,158, North Port drivers could save almost $1,126 a year just by shopping around, but most just don't grasp the actual amount they would save if they switched to a cheaper policy.

Quoting and buying the lowest-priced policy in North Port is not as difficult as people think. If you're already insured or just want to reduce your rates, you can use this information to reduce the price you pay while maximizing coverage. Drivers only have to learn the most time-saving way to compare company rates over the internet.

Finding a lower price on insurance isn't really that difficult. You just have to spend a little time getting comparison quotes to find out which insurance company has cheaper North Port car insurance quotes.

The providers in the list below have been selected to offer price comparisons in North Port, FL. To locate the cheapest auto insurance in Florida, we suggest you visit two to three different companies to get the most competitive price.

Insurance Cost Estimates for Popular Vehicles in North Port
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,148 $574 $96
Chevrolet Silverado LS Regular Cab 2WD $1,402 $701 $117
Dodge Grand Caravan CV $922 $461 $77
Dodge Ram Crew Cab ST 4WD $1,208 $604 $101
Ford Edge Sport AWD $1,374 $687 $115
Ford Escape XLS 2WD $1,222 $611 $102
Ford F-150 FX2 Super Cab 2WD $1,024 $512 $85
Ford Focus SES 4-Dr Sedan $1,344 $672 $112
GMC Sierra SL Extended Cab 2WD $1,120 $560 $93
Honda Accord EX-L 2-Dr Coupe $1,332 $666 $111
Honda CR-V LX 4WD $1,068 $534 $89
Honda Civic SI 4-Dr Sedan $1,222 $611 $102
Honda Odyssey Touring $1,958 $979 $163
Hyundai Elantra Blue 4-Dr Sedan $1,002 $501 $84
Nissan Altima 3.5 SR 4-Dr Sedan $1,212 $606 $101
Toyota Camry SE $1,580 $790 $132
Toyota Corolla LE $1,382 $691 $115
Volkswagen Jetta 2.0T 4-Dr Sedan $1,192 $596 $99
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can revise premium rates noticeably.

North Port insurance premiums by gender and age

The diagram below shows the difference between premium costs for male and female drivers in North Port. Data assumes a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied on a GMC Acadia SLT.

GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Bad driving habits will cost you more

The illustration below illustrates how speeding tickets and at-fault fender-benders impact Ford F-150 annual premium costs for different ages of insureds. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Full coverage rates compared to liability only

The information below illustrates the difference between Chevrolet Silverado auto insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or violations, $500 deductibles, single female driver, and no discounts are applied to the premium.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no exact rule to drop physical damage coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's pretend your Chevrolet Silverado claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after you pay the deductible. If you are currently paying more than $300 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Score discounts on North Port auto insurance

Companies that sell car insurance don't always publicize every policy discount very clearly, so we break down a few of the more common and the more hidden credits available to lower your premiums when you buy North Port car insurance online. If you don't get every credit possible, you could be saving more on your auto insurance.Discount auto insurance

Discounts lower rates, but many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you could get a free auto insurance policy, you aren't that lucky.

Popular auto insurance companies and some of the premium reductions they offer can be found below.

Double check with each company which discounts you may be entitled to. Savings might not apply in your state. If you would like to view auto insurance companies who offer auto insurance discounts in North Port, click here.

Car insurance is not optional in Florida

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

The benefits of insuring your car outweigh the cost, especially when you need to use it. Unknowingly, the average driver overpays more than $865 each year so compare quotes from several companies each time the policy renews to make sure the price is not too high.

When do I need an agent's advice?

When selecting coverage online or from an agent, there really is not a best way to insure your cars. Everyone's situation is a little different.Drive safe and save

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.

Local insurance agents

Many drivers prefer to buy from a local agent and doing so can bring peace of mind Agents will help you protect your assets and help in the event of a claim. One of the benefits of getting free rate quotes online is the fact that you can find the best rates and still have a local agent. Supporting local agencies is important particularly in North Port.

North Port insurance agentsOnce you complete this simple form, your coverage information is transmitted to agents in your area who will give you bids and help you find cheaper coverage. You won't even need to search for any insurance agencies because prices are sent to your email. In the event you want to get a price quote from a specific auto insurance provider, just go to their quote page and complete a quote there.

When narrowing the list to find local North Port agents, it's important to understand the different types of agencies and how they can write your policy. Insurance agencies in North Port are categorized either exclusive or independent (non-exclusive). Either one can sell and service auto insurance coverage, but it's important to point out the subtle differences because it can factor into which agent you choose.

Independent Agents

Independent insurance agents do not write with just one company so as a result can place your coverage with lots of companies and possibly get better coverage at lower prices. If your premiums go up, they simply switch companies in-house and you can keep the same agent.

When comparison shopping, you need to compare prices from at a minimum one independent agency to maximize your price options. Many can place coverage with additional companies that you may not be familiar with that may provide cheaper auto insurance rates.

Exclusive Insurance Agencies

Exclusive insurance agents can only provide one company's prices such as American Family, State Farm, and Allstate. Exclusive agencies are unable to compare rates from other companies so they really need to provide good service. These agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates. Many people choose to use an exclusive agent partially due to loyalty to the company rather than low price.

Picking the best insurance agent requires you to look at more than just a cheap price. These are some valid questions you should ask.

Upon receiving positive feedback to any questions you have and locked in a price quote, you have narrowed it down to an auto insurance agent that can be relied on to properly insure your vehicles. Just remember you have the power to cancel a policy whenever you choose to so don't feel that you are obligated to any specific company for a certain time period.

Auto insurance claim information

Do you own a high-claim vehicle? The data below show the highest and lowest vehicle makes and models for the probability of having to file claims for each type of coverage.

Collision Claims by Vehicle
Lowest Claims Highest Claims
Ford Edge Audi RS7
Mini Cooper Ferrari 458
Ford F-250 SuperCab Maserati Ghibli
Smart ForTwo Bently Continental GTC
Ford F-150 SuperCrew Bently Continental GT
Jeep Wrangler Bentley Continental Flying Spur

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

Manufacturer Models with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Chevrolet Spark
Audi A4 Allroad Kia Forte
Ford F-250 SuperCrew Mitsubishi Lancer
Land Rover Range Rover Sport Chevrolet Sonic
Ford F-350 SuperCrew Hyundai Accent

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

Lowest and Highest Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
GMC Sierra 2500 Maserati Granturismo
Smart ForTwo Porsche Panamera GTS
Chevy Spark Bentley Continental GT
Ford F-350 Maserati Quattroporte
Chevy Silverado 2500 Bentley Continental GTC
Nissan Leaf Mercedes-Benz S Class

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

Bodily Injury Liability Claims by Vehicle Model
Lowest Claims Highest Claims
Subaru Outback Kia Optima
Chevrolet Corvette Mitsubishi Mirage
Volvo XC60 Chevrolet Sonic
Subaru Forester Mitsubishi Lancer
Audi A6 Chevrolet Cruze
Acura MDX Chevrolet Impala

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