How to Save on Auto Insurance in Tampa

Looking for cheaper insurance rates in Tampa, FL? Scraping up a payment for pricey insurance in Tampa can consume your savings account and force you to prioritize other expenses. Comparing rates annually can save money and help to cut your insurance bill.

Anyone knows that auto insurance companies want to keep your business as long as possible. Insureds who compare rates once a year are highly likely to move their business because they have good chances of finding a lower rate. A study discovered that drivers who compared rates annually saved as much as $865 a year compared to those who don't make a habit of comparing rates.

If saving the most money on insurance in Tampa is your target objective, then understanding the best ways to find and compare coverage rates can help simplify the task of finding more affordable coverage.

How to find cheaper rates for auto insurance in Tampa

The best way to find cheaper auto insurance rates is to regularly compare quotes from insurance carriers in Tampa. You can compare rates by following these steps.

  1. Try to learn about the different coverages in a policy and the factors you can control to keep rates in check. Many rating factors that cause rate increases such as inattentive driving and an unacceptable credit rating can be improved by making small lifestyle or driving habit changes. Read the full article for additional ideas to prevent high rates and get additional discounts.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agents can provide prices for a wide range of companies.
  3. Compare the price quotes to your current policy and see if you can save money. If you can save some money and change companies, make sure there is no coverage gap between policies.
  4. Provide written notification to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application for your new policy. As soon as you have the new policy, put the proof of insurance certificate in an accessible location in your vehicle.

A good piece of advice is that you'll want to compare similar coverage information on each quote request and and to compare as many car insurance companies as possible. Doing this ensures a fair rate comparison and the best price selection.

Having so many different company options, it is hard for the average consumer to pick the lowest cost insurance company.

Buying the cheapest insurance in Tampa is much easier if you know where to start. If you currently have insurance, you stand a good chance to be able to shop for the lowest rates using these methods. Drivers just need to learn the quickest way to get comparison quotes using one simple form.

The providers in the list below can provide comparison quotes in Tampa, FL. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Tampa
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,314 $657 $110
Chevrolet Silverado LT Extended Cab 4WD $1,314 $657 $110
Dodge Ram Crew Cab SLT 4WD $1,526 $763 $127
Ford Escape Limited 4WD $1,204 $602 $100
Ford Explorer Eddie Bauer 4WD $1,338 $669 $112
Ford F-150 XLT Super Cab 2WD $1,246 $623 $104
Ford Focus SES 2-Dr Coupe $1,478 $739 $123
Honda Accord EX-L 4-Dr Sedan $1,204 $602 $100
Honda CR-V EX-L 4WD $1,136 $568 $95
Honda Civic Hybrid 4-Dr Sedan $1,406 $703 $117
Hyundai Elantra SE 4-Dr Sedan $1,382 $691 $115
Kia Optima EX $1,502 $751 $125
Nissan Altima 3.5 SR 2-Dr Coupe $1,572 $786 $131
Toyota Camry LE $1,314 $657 $110
Toyota Corolla LE $1,382 $691 $115
Volkswagen Jetta 2.0T 4-Dr Sedan $1,406 $703 $117
Get Rate Quotes for Your Vehicle Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific Tampa garaging location which can revise premium rates noticeably.

Auto insurance does more than just repair your car

Even though it can be expensive, maintaining insurance serves several important purposes.

  • The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your vehicle with a loan, it's guaranteed your bank will have a requirement that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle for a lot more money and force you to reimburse them the higher price.
  • Insurance protects not only your vehicle but also your assets. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of insuring your vehicle are without a doubt worth the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $750 every year so we recommend shopping around every year to be sure current rates are still competitive.

Discounts for lower Tampa auto insurance rates

Companies don't always publicize every discount available very well, so the next list breaks down some of the more common in addition to some of the lesser obvious credits available to you.Discount auto insurance

  • Lower Rates for Military - Being on active deployment in the military could mean lower premium rates.
  • Save with a New Car - Insuring a new car can cost up to 25% less since newer models are generally safer.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Cautious Driver Discount - Drivers who don't get into accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education as it will make them better drivers and lower rates.
  • Discount for Multiple Policies - If you combine your homeowners and auto policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Waiver for an Accident - Not really a discount, but some companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a certain period of time.

Please keep in mind that most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky. But any discount should help lower the amount you pay for coverage.

Companies and some of the premium reductions they offer are detailed below.

  • Farm Bureau includes discounts for 55 and retired, safe driver, renewal discount, driver training, youthful driver, and multi-vehicle.
  • MetLife may include discounts for good student, multi-policy, claim-free, accident-free, defensive driver, good driver
  • Progressive offers discounts for homeowner, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
  • AAA discounts include multi-policy, anti-theft, good driver, pay-in-full, and AAA membership discount.
  • American Family offers discounts including early bird, multi-vehicle, Steer into Savings, air bags, good driver, bundled insurance, and TimeAway discount.
  • GEICO has discounts for daytime running lights, multi-vehicle, military active duty, driver training, membership and employees, federal employee, and air bags.
  • State Farm may offer discounts for good driver, passive restraint, Drive Safe & Save, accident-free, good student, driver's education, and Steer Clear safe driver discount.

If you are trying to find cheaper Tampa auto insurance quotes, ask every prospective company what discounts are available to you. Discounts might not be offered in every state. To choose insurers that can offer you the previously mentioned discounts in Tampa, click here to view.

Car insurance quotes from neighborhood Tampa auto insurance agents

Many drivers just prefer to go talk to an agent and doing so can bring peace of mind Licensed agents will help you protect your assets and help in the event of a claim. An additional benefit of getting online price quotes is you can get lower rates and still choose a local agent.

By using this simple form, your information is instantly submitted to local insurance agents in Tampa that can provide free Tampa auto insurance quotes for your car insurance coverage. There is no need to do any legwork because quoted prices will be sent instantly to you. If you want to quote rates from a specific insurance company, don't hesitate to jump over to their website and fill out the quote form the provide.

Picking an company should include more criteria than just the price. Here are some questions you might want to ask.

  • How many years have they been established?
  • Which family members are covered?
  • Will they take your side in the event of a claim?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Where would your vehicle be repaired?
  • Will you work with the agent or an assistant?
  • Does the quote include credit and driving reports?

The following is a short list of auto insurance companies in Tampa that are able to give rate quotes.


8010 N 56th St - Tampa, FL 33617 - (813) 251-8685 - View Map


320 E Fletcher Ave - Tampa, FL 33612 - (813) 513-8800 - View Map


8019 N Himes Ave #100 - Tampa, FL 33614 - (813) 935-6629 - View Map


208 E Bearss Ave - Tampa, FL 33613 - (813) 877-5506 - View Map

More Tampa agents

After getting positive feedback for all questions you ask and a low price estimate, you've probably found a company that meets the criteria to insure your vehicles.

Don't assume everyone needs the same insurance coverage

When quoting and comparing coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.Insurance savings Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent's advice.

  • How can I find cheaper teen driver insurance?
  • Does low annual mileage earn a discount?
  • What does medical payments cover?
  • Should I buy more coverage than the required Florida minimum liability coverage?
  • What is motorclub and do I need it?
  • Can I make deliveries for my home business?
  • Where can I get insurance after a DUI in Florida?
  • If my car is totaled with they pay enough to replace it?
  • What if a claim settlement is too low?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance claim statistics

Which vehicles statistically have the fewest claims? The claim statistics below list the highest and lowest cars and trucks for likelihood of having claims.

Car Insurance Liability Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Acura MDX Kia Optima
Volvo XC60 Chevrolet Cruze
Audi A6 Mitsubishi Mirage
Chevrolet Corvette Chevrolet Sonic
Subaru Outback Chrysler 200
Fiat 500 Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Audi A4 Allroad Mitsubishi Lancer
Chevrolet Silverado 3500 Hyundai Accent
Ford Expedition Kia Forte
Tesla Model S Nissan Sentra
Chevrolet Corvette Chevrolet Sonic
Land Rover Range Rover Sport Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Nissan GT-R
Ford F-150 SuperCrew Bently Continental GT
Mini Cooper Bently Continental GTC
Ford Edge Maserati Granturismo
Nissan Xterra Maserati Ghibli
Smart ForTwo Audi RS7

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark Audi S7
Nissan Leaf Bentley Continental GTC
GMC Sierra 2500 BMW M6
Smart ForTwo Maserati Quattroporte
Chevy Silverado 2500 Mercedes-Benz S Class
Infiniti QX50 Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

You can lower your auto insurance rates

When shopping online for auto insurance, it's not a good idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Cheaper auto insurance in Tampa is available online in addition to local insurance agencies, so you need to quote Tampa auto insurance with both in order to have the best chance of saving money. Some insurance companies may not have internet price quotes and usually these small, regional companies provide coverage only through independent insurance agents.

How to buy discount auto insurance in Tampa

If saving the most money is your goal, then the best way to get budget auto insurance prices in Tampa is to compare prices once a year from companies in Florida.

  • Step 1: Learn about car insurance and the modifications you can make to drop your rates. Many factors that drive up the price like tickets, at-fault accidents, and an unfavorable credit rating can be remedied by making small lifestyle or driving habit changes.
  • Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple companies.
  • Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.

A crucial key to this process is that you use identical deductibles and limits on every quote request and and to get quotes from every insurance company. This guarantees a fair price comparison and the best price selection.

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