How to find cheaper Tampa car insurance rates
It takes a few minutes, but the best way to get cheaper auto insurance rates is to start doing an annual price comparison from providers who provide auto insurance in Tampa. Prices can be compared by completing these steps.
Step 1: Get a basic knowledge of policy coverages and the things you can change to lower rates. Many policy risk factors that drive up the price like tickets, at-fault accidents, and a less-than-favorable credit history can be eliminated by paying attention to minor details. Continue reading for information to prevent expensive rate increases and earn a bigger discount.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on insurance in Tampa. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current company to cancel your current car insurance policy and submit a down payment along with a signed application for the new policy. As soon as you can, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.
The key aspect of shopping around is to try to use similar limits and deductibles on every quote request and to quote with as many carriers as you can. This helps ensure an apples-to-apples comparison and the best price selection.
AUTO INSURANCE FACT
Brand loyalty may be costing you hundreds every year. Compare rates now and save.
The cost of car insurance depends on many different factors, but the average price for a policy in Tampa is right around $1,400 annually. On average, the rest of the U.S. pays around $1,230, so Tampa residents pay approximately $15 more every month than drivers in other states.
Auto insurance rates are determined by a lot of factors, and one important factor is the type of vehicle you drive. The rate data below shows insurance cost for some of the more popular vehicles insured in Tampa.
|Make, Model, and Trim Level||Annual Cost||Semi-Annual Cost||Monthly Cost|
|Chevrolet Silverado LS Extended Cab 4WD||$1,452||$726||$121|
|Dodge Ram Crew Cab TRX 2WD||$1,568||$784||$131|
|Ford Escape XLS 2WD||$1,224||$612||$102|
|Ford Explorer Eddie Bauer AWD||$1,486||$743||$124|
|Ford F-150 XLT Crew Cab 2WD||$1,358||$679||$113|
|Ford Focus SES 4-Dr Sedan||$1,512||$756||$126|
|Honda Accord LX-P 4-Dr Sedan||$1,224||$612||$102|
|Honda CR-V EX 2WD||$1,224||$612||$102|
|Honda Civic DX 4-Dr Sedan||$1,416||$708||$118|
|Honda Odyssey EX W/Rear Entertainment||$1,416||$708||$118|
|Hyundai Elantra SE Touring Station Wagon||$1,354||$677||$113|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,358||$679||$113|
|Mazda 3 S Sport 4-Dr Sedan||$1,582||$791||$132|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,548||$774||$129|
|Toyota Camry Hybrid||$1,664||$832||$139|
|Toyota Corolla S||$1,548||$774||$129|
|Get Rate Quotes for Your Vehicle Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location information which can influence insurance rates noticeably.
Cheaper Tampa auto insurance rates with discounts
The information below illustrates the difference between insurance rates with and without discounts applied to the rates. The data is based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.
|Top 10 cheapest vehicles to insure in Tampa, FL|
|Chrysler PT Cruiser|
|Mazda MX-5 Miata|
|Top 10 most expensive vehicles to insure in Tampa, FL|
|Mercedes-Benz S65 AMG|
|Mercedes-Benz CL65 AMG|
|Mercedes-Benz CL63 AMG|
|Mercedes-Benz S63 AMG|
|Top 10 safest vehicles to insure in Tampa, FL|
|Ford Expedition EL|
|Toyota FJ Cruiser|
|Chrysler Town and Country|
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|