Best Quotes on Florence Car Insurance

Do you want to stop overpaying and find more affordable insurance rates in Florence, AL? Being forced to pay for overpriced insurance premiums can consume your savings and possibly require you to analyze your spending habits.

Surprisingly, a recent survey revealed that most insurance policyholders have been with the same company for more than four years, and roughly 40% of drivers have never shopped around. Many consumers in Alabama could save almost 40% every year, but they just assume it takes a lot of time to compare rates online.

Popular companies such as Progressive, State Farm and GEICO constantly blast consumers with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

You should make it a habit to quote other rates on a regular basis because insurance rates are adjusted regularly by insurance companies. If you had the lowest premium rates on insurance a few years ago you will most likely find a better price today. Block out anything you think you know about insurance because I'm going to let you in on the secrets to the quickest way to buy cheaper insurance.

Score discounts to get cheaper Florence car insurance quotes

Car insurance is not inexpensive, but you might be missing out on some discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be requested specifically prior to getting the savings.Car insurance discounts

Remember that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, you won't be that lucky.

Some companies that may offer policyholders some of the above discounts include:

When quoting, ask every company the best way to save money. Depending on the company, some discounts might not be offered on policies in Florence. For a list of companies that have a full spectrum of discounts in Florence, click this link.

Keep in mind that comparing a large number of companies helps you find a lower rate.

The auto insurance companies shown below have been selected to offer free quotes in Alabama. If the list has multiple companies, it's highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Florence
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $958 $479 $80
Chevrolet Malibu LT $912 $456 $76
Chevrolet Silverado LTZ Extended Cab 4WD $1,298 $649 $108
Dodge Ram Quad Cab ST 2WD $1,432 $716 $119
Ford Escape XLS 2WD $766 $383 $64
Ford F-150 XLT Super Cab 4WD $956 $478 $80
Ford Focus SEL 4-Dr Sedan $918 $459 $77
Ford Fusion SE 4-Dr Sedan $1,278 $639 $107
Honda Accord EX 4-Dr Sedan $864 $432 $72
Honda CR-V EX 2WD $972 $486 $81
Honda Civic Hybrid 4-Dr Sedan $1,074 $537 $90
Honda Odyssey EX-L W/Rear Entertainment $1,242 $621 $104
Mazda 3 I Sport 4-Dr Sedan $1,172 $586 $98
Nissan Altima Hybrid 4-Dr Sedan $980 $490 $82
Toyota Camry Hybrid $1,158 $579 $97
Toyota Corolla S $842 $421 $70
Volkswagen Jetta LE 4-Dr Sedan $1,064 $532 $89
Get Your Own Custom Quote Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Florence which can impact price quotes noticeably.

Age, gender, and differences in insurance rates

The example below compares insurance rates for male and female drivers in Florence. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied on a Ford Escape XLT.

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

How high should deductibles be?

The illustration below demonstrates how deductible levels and can change Honda Pilot insurance premiums for different age groups. The data is based on a single female driver, full coverage, and no additional discounts are factored in.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Car insurance overall losses by make and model

What vehicles have the most claims? The next tables show the best and worst makes and models for the overall chance of having claims.

Collision Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper Bentley Continental Flying Spur
Ford F-150 SuperCrew Bently Continental GT
Chevrolet Colorado Bently Continental GTC
Ford F-250 SuperCab Ferrari 458
Jeep Wrangler BMW 6 Series
Smart ForTwo Audi RS7

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

Medical Payment Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Nissan Versa
Ford F-250 SuperCrew Dodge Charger
Chevrolet Silverado 2500 Mitsubishi Mirage
Tesla Model S Chrysler 200
Chevrolet Corvette Nissan Sentra
Land Rover Range Rover Sport Hyundai Accent

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

Lowest and Highest Comprehensive Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Maserati Quattroporte
Smart ForTwo Maserati Granturismo
Nissan Leaf Porsche Panamera GTS
Chevy Spark BMW M6
Ford F-350 Audi S7
Chevy Silverado 2500 Bentley Continental GT

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

Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Outback Chevrolet Sonic
Audi A6 Kia Rio
Fiat 500 Chevrolet Impala
Volvo XC60 Mitsubishi Lancer
Acura MDX Dodge Charger
Subaru Forester Hyndai Accent

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

Compare rates regularly to save

You just read a lot of tips how to find cheaper coverage online. The key thing to remember is the more companies you get prices for, the higher your chance of finding affordable Florence auto insurance quotes. You may even be surprised to find that the lowest premium rates are with some of the lesser-known companies. Regional companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Some auto insurance companies do not provide internet price quotes and many times these smaller providers sell through independent agents. Low-cost auto insurance in Florence can be sourced from both online companies as well as from insurance agents, so compare prices from both to have the best selection.

When trying to cut insurance costs, don't be tempted to buy less coverage just to save a little money. In too many instances, an insured dropped liability coverage limits and learned later that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Additional detailed information is located in these articles: