Best Cheap Insurance for 4×4 Vehicles in Florida

The type of vehicle needing coverage is a significant factor when comparing quotes for the best cheap insurance for 4×4 vehicles in Florida. Vehicles with limited speed and performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The table below ranks car insurance rates for a selection of the most budget-friendly vehicles to insure.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific garaging location which can lower or raise rates noticeably.

Based on these rates, we can presume that vehicles like the Chevrolet Traverse, Jeep Wrangler, Subaru Forester, Toyota Prius, and Honda CR-V will be a few of the most budget-friendly vehicles to insure for off-road vehicles.

When shopping for the cheapest auto insurance for off-road vehicles, one of the many components that auto insurance companies use to determine a rate quote is where you normally keep your vehicle in Florida. Areas with high crime rates or more dense population like Hialeah, Miami, and West Palm Beach are more likely to have higher rates, whereas more rural areas generally pay less for auto insurance.

The next table displays the most expensive places in Florida for 4×4 vehicles in which to buy car insurance.

Premium costs are estimated as zip code location can raise or lower coverage prices noticeably.

The illustration below highlights how deductible selection can influence premium costs when searching for cheap insurance for 4×4 vehicles. The premiums are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4089,3727,3335,2963],[‘Age 30’, 2123,1957,1757,1567],[‘Age 40’, 2105,1927,1721,1523],[‘Age 50’, 1911,1749,1567,1393],[‘Age 60’, 1847,1695,1519,1353],[‘Age 70’, 2237,2061,1865,1681]]);var options = {title: ‘Comparison of Deductible Levels and Car Insurance Rates in Florida’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

As shown above, a 40-year-old driver could lower their car insurance rates by $344 a year by changing from a $100 deductible up to a $500 deductible, or save $518 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can save $1,126 each year by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it will be important to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Responsible drivers pay cheaper Florida car insurance rates

In a perfect world, the ideal way to maintain the best car insurance rates in Florida for off-road vehicles is to be a good driver and have a clean driving record. The example below illustrates how speeding tickets and accident claims can raise auto insurance rates for each different age group. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1921,2475,4785],[‘Age 30’, 1323,1877,4189],[‘Age 40’, 1319,1871,4187],[‘Age 50’, 1165,1717,4031],[‘Age 60’, 1107,1659,3971],[‘Age 70’, 1203,1755,4065]]);var options = {title: ‘Effect of Tickets and Claims on Florida Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Florida’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of an auto insurance policy in Florida per year with no accidents and a clean driving record is $1,340. Receive two speeding tickets and the average cost swells to $1,892, an increase of $553 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of car insurance for 4×4 vehicles jumps again to an average of $4,205. That’s an increase of $2,865, or $239 per month, just for not being attentive to the road!

Progressive, Allstate, Geico, and State Farm: Who is cheapest?

When comparing car insurance for off-road vehicles in Florida, four companies to consider are Progressive, Allstate, Geico, and State Farm. They all offer a different combination of discounts, features, and options that policyholders can choose from. The following table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.

Who has the cheapest insurance quotes for off-road vehicles?

There are quite a few ways to buy car insurance in Florida, but the most popular are through an independent or non-exclusive agent, a captive (or exclusive) agent such as Auto-Owners or State Farm, or direct from companies such as Progressive or Geico.

Each way is similar, but shoppers should understand the differences in how they provide rate quotes.

Independent agencies work with multiple companies and can get rate quotes from every one. Independent agents are not restricted to one company and can provide multiple price quotes, which can give you better odds of saving money. If premiums increase, it’s simple to move the policy which requires no work on your part.

A captive, or exclusive, agent is only able to write business for a single insurance company such as State Farm and Allstate agents. These agents normally cannot place coverage with different providers, so keep that in mind.

If you buy direct, you bypass a local insurance agent and instead shop direct either online or via phone. Buying direct may be good for consumers who have fewer assets and have knowledge of what coverages, limits, and deductibles they need.

So which of the methods works best for finding the best cheap insurance for 4×4 vehicles in Florida? Most people would assume that shopping direct results in the cheapest rates since that eliminates agent commissions, but in reality, that is not the case. It could also be said using an independent agent saves the most money due to increased selection, but that is not necessarily true either. In the right set of circumstances, the exclusive agents may have prices that independents and direct companies can’t touch.

Because there are so many factors that make up car insurance rates, the guaranteed way to ensure you are not overpaying for car insurance is to compare lots of quotes. If you want to save money, get rate quotes from all three to give yourself enough choices. For a list of car insurance companies with low rates, click here to view.