Cheap Auto Insurance Quotes for College Students in Florida

In a perfect world, we could simply tell you the exact car insurance company that has the most affordable coverage in Florida. That is not the case, however, as there are a whole slew of unknown aspects such as whether you are single or married, what coverage limits you need, how far you drive each year, and citations or tickets. The information below covers these factors and others that can influence the price of auto insurance and also should give you a good start in finding the cheapest car insurance.

One of the more important criteria used to calculate the price you pay for insurance is where your car is garaged in Florida. Cities with larger populations or higher claim trends like Hialeah, Miami, and West Palm Beach tend to have higher rates, whereas more rural areas have the luxury of lower rates.

The next table lists the more expensive cities in Florida for college students to buy auto insurance in.

Rate information is estimated as the specific zip code location can influence coverage prices considerably.

The vehicle model needing coverage is one of the largest factors when comparing quotes for cheap car insurance for college students in Florida. Vehicles with limited speed and performance, good crash test ratings, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models. The next list features car insurance premiums for a selection of the cheapest vehicles to buy insurance for.

Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates significantly.

Based upon the rates shown, models like the Honda CR-V, Ford Escape, Chevrolet Traverse, and Honda Accord are some of the more affordable vehicles to insure for students in college. The price for an auto insurance policy will be more expensive just because there is more inherent risk for college students, but generally speaking those particular models will tend to have the lowest insurance prices that you are likely to find.

The example below illustrates how your deductible choice can raise or lower premium costs when getting quotes for cheap insurance for college students. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4753,4331,3869,3433],[‘Age 30’, 2465,2243,1993,1753],[‘Age 40’, 2365,2165,1933,1715],[‘Age 50’, 2165,1981,1771,1575],[‘Age 60’, 2131,1947,1743,1549],[‘Age 70’, 2455,2257,2037,1831]]);var options = {title: ‘Impact of Higher Deductibles on Auto Insurance Prices in Florida’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could lower their car insurance rates by $394 a year by increasing from a $100 deductible up to a $500 deductible, or save $590 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, can cut $1,320 each year just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it is a good idea to have emergency funds available to pay the extra out-of-pocket expense associated with higher deductibles.

Get discount Florida car insurance

Car insurance companies that provide cheap car insurance for college students in Florida could also offer rate discounts that may potentially lower prices by 25% or more if you are eligible to receive them. Companies and their possible discounts can be found below.

The diagram below shows the difference between car insurance costs with and without discounts applied to the premium. The data assumes a male driver, no accidents, no driving violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, continuous coverage, paid-in-full, paperless filing, good student, and vehicle safety discounts applied. When discounts are applied, the the average yearly reduction on auto insurance for college students is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3223,2313],[‘Age 30’, 1653,1225],[‘Age 40’, 1509,1197],[‘Age 50’, 1463,1093],[‘Age 60’, 1809,1061]]);var options = {title: ‘Effect of Discounts on Insurance Price for College Students’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}