Did a good deal turn out to be an expensive insurance policy? Believe me, there are a lot of people in Temple Terrace just like you who feel imprisoned by their insurance policy.

Sadly, most insurance customers renewed their policy with the same company for at least four years, and nearly the majority have never shopped around. With the average insurance premium being $2,160, Florida drivers could save roughly $1,126 each year by just comparing rate quotes, but they just don't understand the amount of savings they would get if they just switched companies.

Due to the abundance of options, it can be challenging to pick the lowest price company.

It's a great practice to get comparison quotes quite often because prices are usually higher with each renewal. Just because you had the best price on insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I'm going to teach you the only way to lower your annual insurance bill.

Car insurance providers offering competitive rates in Florida

The companies in the list below provide price quotes in Florida. To get the best cheap car insurance in Florida, we suggest you visit as many as you can to get the lowest price.

Insurance Estimates for Popular Vehicles in Temple Terrace
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,176 $588 $98
Chevrolet Impala LT $1,314 $657 $110
Chevrolet Silverado LS Regular Cab 4WD $1,178 $589 $98
Dodge Grand Caravan SE $1,152 $576 $96
Dodge Ram Crew Cab TRX 2WD $1,208 $604 $101
Ford Edge Limited 2WD $1,370 $685 $114
Ford Escape XLT 4WD $1,290 $645 $108
Ford F-150 XLT Crew Cab 2WD $1,498 $749 $125
Ford Focus SEL 4-Dr Sedan $1,454 $727 $121
Honda Accord LX-P 4-Dr Sedan $936 $468 $78
Honda CR-V EX-L 4WD $1,122 $561 $94
Honda Civic Hybrid 4-Dr Sedan $1,778 $889 $148
Hyundai Sonata GLS 4-Dr Sedan $1,578 $789 $132
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,396 $698 $116
Nissan Altima 2.5 4-Dr Sedan $1,320 $660 $110
Toyota Camry XLE $1,136 $568 $95
Toyota Corolla S $1,328 $664 $111
Toyota RAV4 Limited 2WD $1,102 $551 $92
Volkswagen Jetta S 2.5 Station Wagon $1,292 $646 $108
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific zip code location which can revise price quotes substantially.

Temple Terrace insurance premiums by gender and age

The chart below visualizes the comparison of yearly insurance costs for male and female drivers in Temple Terrace. The rate quotes are based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration on a Kia Optima LX.

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

Get cheaper rates by taking advantage of these seven discounts

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so below is a list some of the more common and also the lesser-known credits available to you.Cheaper insurance with discounts

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, it doesn't quite work that way.

Companies and a selection of discounts are included below.

When getting free Temple Terrace car insurance quotes, it's a good idea to all the companies the best way to save money. A few discounts might not apply in Temple Terrace. If you would like to see a list of insurers with discount insurance rates in Temple Terrace, click here.

The auto insurance bait and switch

Auto insurance providers like GEICO, State Farm and Progressive endlessly run television and radio advertisements. All the companies seem to make the promise that you'll save big if you move your auto insurance coverage to their company. How does each company save you money on auto insurance? It's all in the wording.

Many companies have specific guidelines for the type of customer that will add to their bottom line. For example, a profitable risk profile might be a married male, has no tickets, and drives a lower-performance vehicle. A driver that matches those criteria gets the lowest premium rates and will most likely save a lot on Temple Terrace auto insurance if they switch.

Potential customers who don't qualify for the requirements will see higher prices and the customer not buying. If you listen closely, the ads state "people who switch" not "everyone that quotes" save money. That's why insurance companies can confidently claim big savings. That is why it's extremely important to get Temple Terrace car insurance quotes as often as possible. It is impossible to guess the company that will give you lower rates than your current company.

How much car insurance do I need?

When choosing proper insurance coverage, there really is no single plan that fits everyone. You are unique so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that may help highlight if you would benefit from professional advice.

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you'll find typical coverage types found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your vehicle.

Since many Florida drivers carry very low liability coverage limits (10/20/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 10/20/10 which stand for $10,000 bodily injury coverage, a total of $20,000 of bodily injury coverage per accident, and property damage coverage for $10,000.

Liability coverage pays for claims such as structural damage, medical services and medical expenses. How much coverage you buy is your choice, but you should buy higher limits if possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing better liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like prosthetic devices, doctor visits and ambulance fees. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your 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

Collision insurance

This will pay to fix damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, colliding with a tree, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Best and worst vehicle claim statistics

Which vehicles have a tendency to have claims? The statistics below show the best and worst makes and models for the overall chance of having large claims.

Manufacturer Models with the Lowest and Highest Liability Coverage Claims
Lowest Claims Highest Claims
Volvo XC60 Chevrolet Sonic
Mercedes-Benz SL Class Kia Optima
Chevrolet Corvette Chevrolet Cruze
Fiat 500 Mitsubishi Lancer
Acura MDX Mitsubishi Mirage
Audi A6 Chrysler 200

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

Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Dodge Charger
Chevrolet Silverado 3500 Nissan Sentra
Chevrolet Corvette Mitsubishi Mirage
Ford F-350 SuperCrew Chevrolet Sonic
Ford F-250 SuperCrew Kia Forte
Ford Expedition Hyundai Accent

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

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claims Highest Claims
Ford F-250 SuperCab Audi RS7
Smart ForTwo Bently Continental GT
Jeep Wrangler Bently Continental GTC
Ford F-150 SuperCrew Ferrari 458
Nissan Xterra BMW 6 Series
Mini Cooper Bentley Continental Flying Spur

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

Comprehensive Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
GMC Sierra 2500 BMW M6
Chevy Spark Bentley Continental GT
Nissan Leaf Audi S7
Infiniti QX50 BMW M6
Nissan Xterra Porsche Panamera GTS
Chevy Silverado 2500 Bentley Continental GTC

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

Be persistent and save

There are still a few companies who don't offer online rate quotes and many times these regional carriers only sell through independent insurance agents. Affordable car insurance in Temple Terrace is definitely available on the web and with local Temple Terrace insurance agents, and you should be comparing both to have the best selection.

When buying insurance coverage, you should never buy poor coverage just to save money. There are a lot of situations where someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

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