Locating cheaper insurance for a car in Florida could be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for car insurance so you're going to learn the quickest way to quote coverages on a and get the lowest possible price either online or from Port St. Lucie insurance agents.

Car insurance companies in Florida

The car insurance companies shown below offer quotes in Florida. To get cheap auto insurance in Florida, it's highly recommended you click on several of them to get the lowest price.

Insurance Price Estimates for Popular Vehicles in Port St. Lucie
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,110 $555 $93
Chevrolet Impala LS $1,606 $803 $134
Chevrolet Silverado LT Regular Cab 2WD $1,508 $754 $126
Dodge Grand Caravan Crew $1,280 $640 $107
Dodge Ram Crew Cab ST 4WD $1,080 $540 $90
Ford Escape Limited 4WD $1,012 $506 $84
Ford F-150 XL Crew Cab 2WD $1,380 $690 $115
Ford Focus S 4-Dr Sedan $1,268 $634 $106
Honda Accord EX-L 4-Dr Sedan $1,382 $691 $115
Honda CR-V LX 4WD $1,400 $700 $117
Honda Civic GX 4-Dr Sedan $1,558 $779 $130
Honda Odyssey EX W/Rear Entertainment $970 $485 $81
Jeep Wrangler Sport 4WD 2-Dr $1,040 $520 $87
Kia Optima EX $1,258 $629 $105
Nissan Altima 3.5 SR 4-Dr Sedan $1,560 $780 $130
Nissan Rogue S 2WD $1,180 $590 $98
Toyota Camry XLE $1,770 $885 $148
Toyota Corolla XRS $1,356 $678 $113
Volkswagen Jetta 2.0T 4-Dr Sedan $1,504 $752 $125
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can influence prices greatly.

Accidents and violations increase rates

The illustration below demonstrates how traffic citations and at-fault fender-benders impact Chevrolet Malibu yearly insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

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

You have control over your car insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that could result in cheaper rates. Multiple criteria are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving record, but other criteria are not as apparent such as your marital status or your financial responsibility.

Cheaper premiums for prior coverage - Having an insurance coverage lapse is a quick way to trigger a rate increase. Not only will you pay higher rates, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Insurance claims cost money - If you file a lot of claims you can look forward to either higher rates or even cancellation. Auto insurance companies in Florida give the lowest premiums to policyholders who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.

Liability preserves assets - The liability section of your policy will protect you if you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.

Deter theft and pay less - Buying a car that has a built-in theft deterrent system can save you some money. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.

Females tend to cost less - Statistics have proven that females take fewer risks when driving. However, this does not mean males are worse at driving than females. Females and males are in fender benders at about the same rate, but the males cause more damage. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are the most expensive to insure and thus pay the highest rates.

Do you know you're credit score? - Having a good credit history is likely to be a major factor in calculating your car insurance rates. Consumers who have good credit tend to be better risks to insure than those with lower credit scores. So if your credit is low, you could be paying less to insure your vehicle by taking the time to improve your credit score.

Lower your auto insurance rates with discounts

The price of auto insurance can be rather high, but there could be significant discounts that you may not even be aware of. Certain reductions will be credited at the time you complete a quote, but some need to be requested specifically prior to getting the savings.Save money with discounts

While discounts sound great, it's important to understand that most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it doesn't quite work that way.

A list of companies and some of their more popular discounts can be found below.

Check with every prospective company how many discounts you can get. Depending on the company, some discounts might not be offered in Port St. Lucie. To view providers with the best auto insurance discounts in Florida, follow this link.

Do I need an agent?

A small number of people prefer to visit with an insurance agent and doing that can be a smart decision Experienced insurance agents can point out coverage gaps and help submit paperwork. The best thing about getting online price quotes is the fact that drivers can get better rates but still work with a licensed agent.

Insurance agents in Port St. LucieFor easy comparison, once you complete this quick form, your insurance coverage information is submitted to insurance agents in Port St. Lucie that give free quotes for your car insurance coverage. You won't even need to leave your house due to the fact that quote results will go to your email. If you have a need to get a rate quote for a specific company, you would need to go to their quote page and fill out the quote form the provide.

Picking the best provider requires you to look at more than just a cheap price quote. Here are some questions to ask:

Two types of car insurance agents

When narrowing the list to find a good insurance agency, it can be helpful to understand the different agency structures to choose from. Agencies in Port St. Lucie can be described as either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles, but it is important to understand the difference between them because it can impact which type of agent you select.

Exclusive Insurance Agencies

Exclusive insurance agents are contracted to one company such as AAA, Allstate, and State Farm. They generally cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates. Some insured continue to use the same agent partially due to the brand legacy rather than low rates.

Independent Car Insurance Agencies

Agents in the independent channel are appointed with more than one company so they can write business amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply switch companies in-house and you don't have to do anything.

If you need lower rates, we recommend you check rates from at a minimum one independent agency in order to have the best price comparison. They often place coverage with lesser-known insurance companies that many times have cheaper rates.

After talking to the agent and getting acceptable answers to any questions you have as well as a affordable price, it's a good possibility that you have found an insurance agent that can be relied on to insure your vehicles. It's important to know that you can always terminate your policy whenever you want so don't assume that you're stuck with a specific company indefinitely.

The ad said I'd save $464 a year!

Consumers can't ignore all the ads that claim the best car insurance rates from companies such as State Farm, GEICO and Progressive. All the ads make an identical promise that drivers can save some big amount if you get a free Port St. Lucie auto insurance quote and switch your policy.

How can each company offer you a better deal on insurance? This is the trick they use.

Insurance companies look for specific characteristics for the type of driver that will most likely be profitable. For example, this type of driver may need to be married and over the age of 30, insures multiple vehicles, and drives newer vehicles. Anyone that hits that "sweet spot" will get a cheap rate quote in Port St. Lucie and will probably save quite a bit of money when switching.

Drivers who cannot meet those standards will have to pay a higher rate with the end result being the customer not purchasing. The trick is to say "drivers who switch" not "everybody who quotes" can save as much as they claim. That's why insurance companies can confidently claim big savings. Because of this risk profiling, drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Car insurance claim statistics

Are you driving a vehicle that ranks high in claims? The following tables list the highest and lowest vehicle models for likelihood of having claims for each type of coverage listed.

Lowest and Highest Collision Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Colorado Maserati Ghibli
Ford Edge BMW 6 Series
Smart ForTwo BMW M6
Ford F-250 SuperCab Ferrari 458
Nissan Xterra Maserati Granturismo
Jeep Wrangler Audi RS7

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

Liability Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Subaru Forester Hyndai Accent
Chevrolet Corvette Chevrolet Sonic
Volvo XC60 Chrysler 200
Mercedes-Benz SL Class Dodge Charger
Acura MDX Mitsubishi Lancer
Audi A6 Chevrolet Impala

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

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-350 Mercedes-Benz S Class
Nissan Xterra Porsche Panamera GTS
Infiniti QX50 BMW M6
Chevy Spark Maserati Quattroporte
Nissan Leaf BMW M6
GMC Sierra 2500 Audi S7

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

Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Audi A4 Allroad Hyundai Accent
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-350 SuperCrew Mitsubishi Mirage
Ford F-250 SuperCrew Kia Forte
Tesla Model S Dodge Charger

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

Cover all your bases

Budget-conscious car insurance is definitely available from both online companies and also from your neighborhood Port St. Lucie agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and usually these regional insurance providers only sell through local independent agents.

We just showed you some good ideas how to get a better price on car insurance in Port St. Lucie. It's most important to understand that the more price quotes you have, the higher your chance of finding cheaper Port St. Lucie auto insurance quotes. Drivers may even discover the lowest rates come from some of the lesser-known companies.

As you quote Port St. Lucie auto insurance, don't be tempted to buy less coverage just to save a little money. There have been many situations where an insured cut full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

Other articles