Are you sick and tired of being strong-armed to insure your vehicles every month? You are in the same boat as many other Florida consumers.

Surprisingly, a recent survey revealed that most consumers have stayed with the same insurance company for at least four years, and approximately 40% of consumers have never quoted rates to find cheaper coverage. Many drivers in Florida could save themselves almost 55% a year just by shopping around, but they just assume it takes a lot of time to do a rate comparison.

Many insurers compete for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate on auto insurance.

If you have insurance now, you stand a good chance to be able to cut your premiums using the concepts you're about to learn. Buying the cheapest car insurance in Tarpon Springs is not that difficult as long as you know where to start. Although Florida car owners must comprehend the way insurance companies sell insurance online because it can help you find the best coverage.

To find low cost Tarpon Springs car insurance quotes, there are several ways of comparing rates from companies that offer auto insurance in Florida. The best way to find affordable insurance rates is to jump online and get quotes.

Doing price comparisons online is so simple that it takes the place of having to drive around to local Tarpon Springs insurance agencies. Doing it all online reduces the need to sit down with an agent unless you require the personal advice that you can only get from talking to an agent. If you prefer, some companies allow you to get prices online but have your policy serviced through an agent. When comparison shopping, more quotes helps locate the best offered rates. Not every company provides online price quotes, so you also need to get prices on coverage from those companies, too.

The car insurance companies shown below can provide comparison quotes in Tarpon Springs, FL. If your goal is to find cheap auto insurance in Florida, we suggest you get rates from several of them to find the most competitive car insurance rates.

Insurance Rates for Popular Vehicles in Tarpon Springs
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,108 $554 $92
Chevrolet Silverado LT Regular Cab 2WD $1,248 $624 $104
Dodge Ram Crew Cab SLT 4WD $1,258 $629 $105
Ford Escape XLT 4WD $1,222 $611 $102
Ford Explorer XLT AWD $1,330 $665 $111
Ford F-150 XLT Regular Cab 4WD $1,204 $602 $100
Ford Focus S 4-Dr Sedan $1,194 $597 $100
Honda Accord LX-P 4-Dr Sedan $1,206 $603 $101
Honda CR-V EX-L 4WD $1,102 $551 $92
Honda Civic LX-S 4-Dr Sedan $1,186 $593 $99
Nissan Altima 3.5 SR 4-Dr Sedan $1,230 $615 $103
Toyota Camry LE $1,792 $896 $149
Toyota Corolla S $1,690 $845 $141
Toyota Prius $1,408 $704 $117
Volkswagen Jetta SE 4-Dr Sedan $1,158 $579 $97
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific zip code location which can influence coverage prices substantially.

Cost difference between full coverage and liability

The chart below illustrates the difference between Chevrolet Malibu insurance costs with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $100 deductibles, married male driver, and no discounts are taken into consideration.

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

Should you buy full coverage or liability only?

There is no written rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Chevrolet Malibu replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If you are paying in excess of $300 a year for full coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Gender-based car insurance rates by age

The illustration below shows the difference between insurance costs for male and female drivers in Tarpon Springs. The costs are based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in on a GMC Acadia SLE.

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

Affordable Tarpon Springs car insurance rates with discounts

Insuring your fleet can be pricey, but there may be some discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you quote, but less common discounts must be requested specifically before you will receive the discount.Car insurance discounts

Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free car insurance policy, you're out of luck.

Companies and their offered discounts can be found below.

If you need lower rates, check with every insurance company how you can save money. Some discounts might not be offered on policies in your area. To find car insurance companies who offer car insurance discounts in Tarpon Springs, click here.

Local Tarpon Springs auto insurance agents and insurance

Many people would prefer to buy from a licensed agent and doing so can bring peace of mind A nice benefit of comparing rates online is that drivers can save money and get lower prices but also keep your business local. Putting coverage with local insurance agents is especially important in Tarpon Springs.

Insurance agency in Tarpon SpringsOnce you complete this quick form, your insurance coverage information is instantly submitted to participating agents in Tarpon Springs who want to provide quotes to get your business. There is no reason to leave your house due to the fact that quote results will go directly to your email. You can find the lowest rates and a licensed agent to work with. In the event you want to compare prices from a specific insurance company, you just need to visit that company's website to submit a rate quote request.

Insurance agent types

If you are searching for a local Tarpon Springs insurance agency, there are a couple of types of agencies and how they can write your policy. Insurance agents in Tarpon Springs are classified as either independent (non-exclusive) or exclusive.

Independent Insurance Agencies

Agents of this type are not limited to a single company so they can insure your vehicles amongst many companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally which requires no work on your part.

If you are comparing insurance prices, you will want to get insurance quotes from at least one independent agent so that you can do a thorough price comparison.

Exclusive Agents

Exclusive agencies can only write with one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on the products they sell which can be an advantage.

Picking an auto insurance agent requires you to look at more than just a cheap quote. These are some questions your agent should answer.

Are auto insurance companies telling the truth?

Auto insurance companies such as 21st Century, Allstate and State Farm endlessly run television and radio advertisements. All the ads try to convey promises that drivers will save a bundle just by switching your coverage. Is it even possible that every company can make the same claim? It's all in the numbers.

All companies have specific guidelines for the driver that will add to their bottom line. An example of a profitable risk profile might be over age 30, carries full coverage, and drives less than 10,000 miles a year. A customer who meets those qualifications is entitled to the best price and will most likely save a lot on Tarpon Springs auto insurance if they switch.

Potential insureds who don't qualify for this stringent profile will have to pay higher rates and this can result in business not being written. The wording the ads use say "people who switch" not "everyone that quotes" can save as much as they claim. That's the way insurance companies can confidently make those statements.

Different companies use different criteria so you should get a wide range of price quotes. Because you never know which insurance companies will have the lowest rate quotes.

Car insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Collision insurance

This coverage will pay to fix damage to your vehicle from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, driving through your garage door, colliding with another moving vehicle, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Ford Edge BMW M6
Jeep Wrangler Bently Continental GTC
Nissan Xterra BMW 6 Series
GMC Canyon Audi RS7
Ford F-150 SuperCrew Ferrari 458
Ford F-250 SuperCab Maserati Granturismo

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

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Since a lot of drivers only carry the minimum required liability limits (which is 10/20/10), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like nursing services, EMT expenses, hospital visits, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Vehicle Make and Models with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Chevrolet Corvette Kia Forte
Chevrolet Silverado 3500 Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Mirage
Tesla Model S Dodge Charger
Ford F-250 SuperCrew Nissan Versa
Audi A4 Allroad Chrysler 200

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

Auto liability

Liability coverage protects you from injuries or damage you cause to other's property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 10/20/10 which means a limit of $10,000 per injured person, a per accident bodily injury limit of $20,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, bail bonds and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing more coverage.

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claims Highest Claims
Volvo XC60 Chevrolet Cruze
Acura MDX Hyndai Accent
Subaru Forester Chrysler 200
Fiat 500 Chevrolet Impala
Audi A6 Mitsubishi Lancer
Subaru Outback Chevrolet Sonic

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

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, fire damage, hitting a bird, vandalism and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

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

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

A little work can save a LOT of money

Some companies may not provide the ability to get a quote online and usually these small, regional companies prefer to sell through independent insurance agencies. Lower-priced car insurance in Tarpon Springs can be bought both online and from local insurance agents, so you need to compare both so you have a total pricing picture.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at the best price.

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