Model, year, and trim influence insurance rates. Sports vehicles might have higher rates depending on their trim. Read on to learn more!
When choosing car insurance, consider the state in which you live. State laws vary, as do accident statistics. In some states, your ZIP code influences your insurance premiums. Choosing a lower-cost policy can mean lower premiums, but fewer coverage types and higher limits will leave you paying more out of pocket if you are involved in a car accident.
Your car’s make, model, and trim are all factors in determining the cost of your policy. Insurance premiums for sports vehicles may vary widely depending on the model’s trim level.
The make and model of your vehicle also impact insurance rates and limits. Sportier cars, such as sports cars and convertibles, tend to have higher insurance premiums than older models. Convertibles are also easier to break into, so your premiums may be higher.
For example, a sports car can cost several thousand dollars more to insure. Sports cars are also easier to steal because they are more expensive to break into. You can narrow down the best insurance for your car by comparing rates for various trim levels. To learn more, keep reading!
The Best Insurance Plans For My Type Of Car In Florida
If you have a new car and are trying to get insurance, you should look into the different types of plans available. We’ve reviewed GEICO, USAA, Allstate, and Progressive plans and have given you the top three to choose from. Each company has its unique features and benefits, but the overall value of each is similar.
Here are some of the benefits of each plan and how you can benefit from each one.
GEICO
When it comes to car insurance, it’s crucial to remember that drivers in Florida can be at a higher risk than drivers in other states. California’s the most expensive state globally, and Florida is no exception. Having car insurance is essential because Florida roads can be crowded and unsafe, so they must be protected. GEICO offers excellent customer service and affordable rates for drivers in Orlando.
GEICO car insurance premiums will vary depending on your location and personal history. For example, if you live in a small town, you’ll likely pay less for your policy than if you live in Miami, where traffic is notoriously bad.
Other factors can affect your premium price, including your credit score, the type of car you drive, the number of drivers on your account, and the number of vehicles you insure.
- Large client service crew. GEICO has an extensive customer support team available 24 hours a day via phone or mobile app. The company also has a dedicated Spanish-speaking customer support team. If you’re looking for a fast quote, you can use Geico’s mobile app to compare different policies. While Geico doesn’t offer many endorsements or features, it’s the second-largest auto insurer in the U.S. based on market share.
- Most competitive car insurance. While GEICO offers some of the most competitive car insurance in Florida for drivers with clean driving records, State Farm provides lower rates for DUI drivers. Although State Farm has a better reputation for driving responsibly and not being a reckless drunk driver, Florida’s car insurance rates are high primarily due to increased numbers of uninsured drivers and many tourist drivers. As a result, more drivers mean a higher risk for an accident.
- Lowest minimum coverage plans. GEICO offers the cheapest minimum coverage policies in Florida, with an average monthly premium of $841. Although drivers in Florida are often tempted to opt for minimum coverage, they should realize that a minimum coverage policy will not provide the same level of protection. Generally, you should get a full range or higher limits to maximize your financial security. A full-coverage policy will cost you $237 per month. You can get the same coverage at a lower rate by comparing Geico’s premiums with those of other companies.
USAA
If you plan to use USAA as your auto insurance company, you should check if it offers accident forgiveness. If you’ve been accident-free for five years, the company will waive your accident-related premium. For example, you may need to purchase collision and comprehensive coverage if you’re financing or leasing your car. Your insurance company may also require collision and comprehensive coverage to lend you the car.
- Insurance for military vehicles. While considering USAA insurance for your car, you should know that their policies cover military vehicles. This means you can apply for coverage even if you’re a veteran. Veterans can apply to join USAA insurance if they’re on active duty in the military or retired. You can also join USAA for your extended family. The company’s insurance policies have many benefits.
- Popular option. USAA’s homeowners’ insurance policy is a popular option, especially for women, who typically drive a sporty or sports car. The insurer ranks number one in the majority of categories for female respondents. USAA’s online presence also offers a smartphone app for iOS and Android phones that makes it easier to manage your account. You can also request identification cards and get roadside assistance if you need it.
- Affordable car insurance with fantastic customer service. In addition to low rates and excellent customer service, USAA also offers a variety of car insurance plans. To receive a USAA car insurance quote, you should first check the terms and conditions of the policy. You should also find out whether USAA insurance plans for my type of car in Florida cover glass and collision. Generally, glass coverage will be automatically added to your comprehensive policy. On the other hand, GAP insurance will pay the difference between the amount you owe on your car and its total value if you’re involved in an accident.
Allstate
Allstate offers various car insurance plans, with the Miles program allowing customers to reduce premiums based on how many miles they drive.
- Real-time tracking software for drivers. Another option is Allstate Drivewise, an optional app that tracks your driving habits. These plans are great for people who feel confident behind the wheel and look for cost-effective ways to reduce their insurance premiums.
- Accident forgiveness program. Another benefit of Allstate car insurance plans is the accident forgiveness program. If you’ve had an accident in the past, Allstate will cover your expenses for transportation. This benefit is available up to the policy amount, but it does not apply to speeding tickets, driving without insurance, and adding new drivers. You can also opt for Allstate eSmart insurance. These insurance plans offer personalized help from an agent who can help you find the best car insurance plan for your needs.
- Depends on driving record, credit score, and financial stability. Allstate car insurance rates are based on your driving record, credit score, and financial stability. The better your credit score, the lower your monthly premium. Keeping track of your payments is essential to maintaining a low premium. You can also get discounts for purchasing multiple policies with Allstate. They even offer bundle discounts. You can save money on both auto insurance and home insurance. The savings from Allstate car insurance are substantial.
- An app that rewards responsible driving. Allstate’s Drivewise program rewards safe driving habits through a mobile app. Drivers who follow the program will save 10% to 25% on their car insurance rates. The Drivewise app is available in all 50 states. Drivers who use it frequently will receive an additional discount. However, if you drive too fast, it may increase the rate. If you’re worried about speeding, Allstate offers an app that tracks your speed, braking, and hours of driving.
Progressive
Progressive insurance might be a good choice for you. However, they are a reputable company with a long history in the auto insurance industry.
There are several advantages to using Progressive insurance for your auto insurance needs. The company offers an easy-to-understand explanation of insurance terms and data-based deep dives.
- Easy reach. If you have any questions, you can contact them online. You can also speak with a representative on the phone or via email. Customers can also use the customer portal to manage their policy and review coverage.
- Online quote tool. You can use their online quote tool to find the most affordable auto insurance plan if you live in Florida. You can also use their Name Your Price tool to save money on your insurance premiums. You can also get a quote from other providers if you are unsure of which plan to purchase. The customer service department is available all day and night, and you can apply for your policy online.
- Snapshot program. Another option that Progressive offers are the Snapshot program, which can be an excellent choice if you drive low miles and don’t drive at night. This program works with many car insurance companies, including Progressive, and offers an automatic enrollment discount. You’ll also get the option to drop collision coverage if you don’t need it, which means you can cut back on your overall costs. This method is very convenient, and you may be able to save a significant amount of money on insurance in Florida.
- Provides pet injury insurance. In addition, Progressive provides pet injury insurance on comprehensive plans. You can also choose a deductible savings bank. Progressive reduces your deductible by $50 for every six months without an accident. For new policyholders, minor accident forgiveness is automatic. This forgiveness keeps your rates the same for the first three years as long as you’re not in an accident. To use significant accident forgiveness, you must stay accident and violation-free for three years to qualify.
Wrapping up!
The Ovadia Law Group has over a decade of experience helping individuals and families in the Hialeah area, Fort Myers, and South Florida. They represent people in personal injury, car accidents, and premises liability cases. Founded by Abraham S. Ovadia, the Ovadia Law Group filed over 1,000 lawsuits against insurance companies in its first year of operation.
Quality service is their specialty, and they have a reputation for getting the best results possible for their clients. Ovadia Law Group knows how to fight these companies for their clients with over a decade of experience and thousands of cases against insurance companies. They provide personalized service and legal solutions to help you get the compensation you deserve. A lawyer will never charge you unless they win your case. A car accident attorney from Ovadia Law Group can help you get the compensation you deserve, and your peace of mind will be well worth it.
Ovadia Law Group is a renowned personal injury law firm in southern Florida. They are easily accessible from major freeways and just west of the Miami International Airport with an office in Miami. The firm is located at 3625 NW 82nd Avenue, Suite 304. You can contact them at 1-800-674-9396 for assistance or learn more about the firm’s services.
