With the cost of auto insurance constantly rising, it becomes ever more important to find the best possible rates, while still getting the coverage you need. Household budgets are strained everywhere throughout the country, and that means homeowners and money managers are obliged to do whatever is possible to find the cheapest car insurance especially in Florida.
Some families are even finding it necessary to switch insurance carriers in an effort to find policies that are less impactful on the monthly budget, and which can be handled without as much difficulty.
If you’re looking for the cheapest auto insurance in the state of Florida, this article is for you. Of course, the rates which you will be quoted will also depend on a number of factors, such as your age, your driving record, and whether the policy is an individual one or part of a family policy.
However, the insurance carriers identified below will generally be able to provide you with adequate coverage at the most affordable rates in the industry.
Companies With the Cheapest Car Insurance Rates in Florida
When you’re looking for the cheapest auto insurance rates anywhere in the country, you need to factor in a few more elements than cost, because the insurance policy which is actually best for you may not be the one with the cheapest price tag.
For instance, one of the ways you can secure a low monthly premium is to accept a very high deductible. But if you ever happen to be involved in an accident, having to pay that high deductible can be an even worse financial imposition than your monthly premiums.
You’ll also want to select a company that provides you with good customer service so that if you do need to file a claim, it can be processed quickly so you can get on with your life. It’s well to bear in mind that reliable coverage in auto insurance counts for a great deal, even if it’s necessary for you to find monthly premiums that fit into your budget.
In the long run, it can definitely cost you more to purchase a cheap policy, than it would purchase coverage which is adequate and which doesn’t require you to break the bank when you’ve had an accident. All that being said, here are some of the Florida insurance companies which can provide you with the lowest cost insurance policies in the business.
USAA Auto Insurance
This company always earns very high marks for customer satisfaction, and they go out of their way to provide great service and great products to their clients. Unfortunately, they only work with military customers, so if you’re not a member of the military, you won’t be eligible to purchase a policy through USAA.
It’s easy to understand why individuals depicted in their television commercials always talk about being lifetime members, but you can only be a lifetime member if you have served in the military.
In addition to providing relatively inexpensive rates for their auto insurance, Allstate typically earns high marks for delivering the best customer service in the industry. This doesn’t really refer to the fact that they’re super friendly during phone calls, but it has more to do with expeditious servicing of any claims which are made.
This company has understood that part of its responsibility to a customer is to act promptly when a claim is made because the customer is already going through a major inconvenience and hassle after having been in an accident.
Affordable Car Insurance Tampa
This company has been finding cheap auto insurance rates for Florida drivers for nearly a decade now, and their track record is impressive. Routinely earning strong reviews from customers, Affordable Car Insurance can find the best rates for all drivers within your family, even if you have a poor credit history, a poor driving record, or if you have teen drivers in the family.
Their reputation as a reliable insurance agent is well-known throughout the state and the industry in general, and there is no one better at finding inexpensive auto insurance that will fit everyone’s needs.
Best of the Rest
The most inexpensive companies for auto insurance in the state of Florida at present are State Farm Insurance and Geico. The statewide average in Florida for auto insurance coverage is $3,370, and both of these companies offer policies at a little over $2,000 per year. State Farm comes in at $2,158 annually, while Geico can provide you with coverage for $2,221 per year.
Keep in mind that your specific quote will depend on your driving record, your age, your credit history, and a few other factors, so it may be a bit more than these benchmark numbers. Assuming you have decent credit and a fairly clean driving record, you might also qualify for low rates offered by several other insurance companies in the state of Florida.
It’s possible that you could secure a policy for around $1,800 per year from State Farm Insurance, a policy for $2,205 per year from Geico, coverage which costs $2,301 from MetLife, a policy which costs $2,528 per year from Direct Auto, and a $2,818 policy from Allstate Insurance.
The point of all this is that there are bargains to be had in finding auto insurance coverage in the state of Florida, and if you’re willing to do some research, or if you have an agent working on your behalf, you just might be able to find really affordable auto insurance.
Car Insurance You Can Afford
It can be a very tedious and exhaustive process having to do extensive comparison shopping among insurance carriers. It means you’ll have to make numerous calls and describe your needs to a number of different carriers, all of which will do their best to make a sale to you. To avoid all the hassles of having to make those calls yourself, you can work with us at Affordable Car Insurance of Tampa.
We have a vast network of insurance carriers that we work with routinely, and we can contact them on your behalf so that we can guarantee you the lowest rates available.
Contact us today, so we can represent you to the many carriers we deal with, and then we’ll be able to provide you with some options that will fit your budget while giving you all the coverage you need.