Shopping around for car insurance is one of the best ways to save money on your policy in Pensacola. Getting car insurance quotes from multiple companies allows you to compare rates and find the most affordable coverage for your needs.
As an independent agency in Pensacola, we understand how confusing and frustrating shopping for car insurance can be We want to simplify the process and help you find the right policy at the best price. This guide will walk you through everything you need to know about getting car insurance quotes in Pensacola, FL
How Car Insurance Rates are Determined in Pensacola
Insurers consider several factors when calculating your car insurance premiums. Some major ones include:
- Your driving record – Tickets, accidents, DUIs, etc. will increase your rates. A clean record saves you money.
- Your location – Insurance costs more in areas with higher accident and crime rates. Pensacola’s average rate is $208/month.
- Your vehicle – Insuring a new luxury car costs more than an old sedan. Modifications and anti-theft devices impact rates too.
- Your coverage – Minimum liability coverage costs less than comprehensive policies with add-ons.
- Your demographics – Age, gender, marital status, and credit score can affect your quote.
In Pensacola specifically, rates are below the Florida average of $218/month. This could be because Pensacola’s smaller population leads to fewer accidents. Getting quotes tailored to your situation is key to finding the best deal.
How to Get Car Insurance Quotes in Pensacola
Getting quotes from multiple insurers is the only way to find the cheapest car insurance for your needs Here are some tips for getting quotes
- Compare quotes online – Using a tool like Insurify lets you get personalized quotes from top insurers in minutes, without forms or calls.
- Call agents directly – Talking to agents at companies like State Farm and Allstate allows you to discuss coverage questions.
- Work with an independent agent – Independent agents can provide quotes from multiple companies. We shop dozens of insurers to get you the best rate.
- Check pricing regularly – Quotes can change frequently. Review your options every 6 months when policies renew.
To get the most accurate quotes have details like your driver’s license, VIN and current policy handy. Being prepared with the right information can help you get cheaper quotes faster.
Factors that Determine Car Insurance Costs in Pensacola
Car insurance companies weigh several factors when setting your rates. Being aware of these criteria can help you make smart decisions to lower your costs.
Driving and Credit History
Unsafe driving behaviors like speeding tickets, at-fault accidents, and DUIs will increase your insurance premiums the most. Maintaining a clean driving record is crucial for affordable car insurance.
Your credit history also plays a role in determining your rates. Insurers view good credit as an indicator of responsibility. Improving your credit score can help lower your car insurance costs.
Vehicle Type
Insuring flashy sports cars, expensive luxury vehicles, and souped-up modified cars costs more than insuring standard sedans and basic transportation cars. Adding anti-theft devices can help lower rates on pricier vehicles.
Coverage Levels
The amount of protection you choose directly impacts your bottom line. Minimum liability coverage costs much less than a full comprehensive policy. Consider your asset values, finances, and risk tolerance when choosing deductibles and add-ons.
Driving Habits
Insurers ask for your estimated annual mileage to help set rates. Low-mileage drivers tend to pay less. Keeping mileage low by combining errands, carpooling, and using public transportation can lower your costs.
Demographics
Younger drivers pay more for car insurance because they are statistically more likely to get in accidents. As you get older, rates decrease. Marital status, gender, education, homeownership and other demographics may also affect your quote.
How to Lower Your Car Insurance Costs in Pensacola
Using the criteria above to your advantage is the key to reducing your car insurance premiums. Here are some top ways Pensacola drivers can save:
- Ask about discounts – Inquire about savings for things like defensive driving courses, good students, multi-policy bundling, anti-theft devices, and more.
- Raise your deductible – Increasing your deductible from $500 to $1,000 could lower your rate 15% or more.
- Limit your mileage – Driving less than 10,000 miles per year keeps rates affordable.
- Maintain good credit – Having a score over 760 saves you the most, but any improvement helps.
- Enroll in telematics – These programs track safe driving habits through an app or device to earn discounts.
- Drop unnecessary coverage – If your car is old, skip collision and comprehensive to save.
Comparing quotes frequently and being a smart, safe driver are surefire ways to keep your costs down. Get in touch if you want us to customize a policy with maximum savings!
Cheapest Car Insurance Companies in Pensacola, FL
While every insurer weighs factors differently in their secret rate formulas, some companies tend to offer cheaper rates than others overall.
State Farm
Our pick for cheapest full coverage at $74/month
- Top ratings for customer satisfaction
- Multi-policy and safe driver discounts
GEICO
Our pick for military members at $76/month
- Up to 25% off for deployment and 15% for military
- Strong financial backing
Mile Auto
Our pick for minimum coverage at $109/month
- Specializes in minimum liability policies
- Discount for taking online defensive driving
Direct Auto
Solid liability option at $140/month
- Quote and buy policies completely online
- Price match guarantee
Progressive
Known for rate comparisons and bundling at $164/month
- Name-Your-Price tool gets you quotes
- Large discounts for wrapping policies
Shopping around and comparing quotes from top insurers is the key to finding the best match for your needs and budget in Pensacola. Contact us today to start reviewing your options completely free. We are here to provide personalized service and help you spend less on your car insurance.
Pensacola car insurance quotes by credit tier
Companies that sell car insurance in Florida can look at your credit history when they figure out your rates, but it’s not the only thing they do. Drivers with poor credit pay more for car insurance than drivers with excellent credit.
Here’s what Pensacola drivers pay, on average, based on their credit tier.
| Category▲▼ | Price▲▼ |
|---|---|
| Excellent | |
| Good | |
| Fair | |
| Poor |
Find Cheap Car Insurance in Pensacola
Liability rates start at $63 per month
10 Cheapest Car Insurance Companies in 2024
FAQ
Who has the cheapest car insurance in Florida?
How much is car insurance in Pensacola Florida?
What is the cheapest legit car insurance?
What is the average cost of car insurance per month in Florida?
How much does car insurance cost in Pensacola?
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean. The cheapest vehicles to insure in Pensacola are usually trucks and vans, with each type typically costing about $93 per month.
Why should you invest in auto insurance in Pensacola?
By investing in more auto insurance coverage upfront, you will see major savings if you ever wind up a major collision in Pensacola. Our independent agents shop around to find you the best coverage.
Who has the cheapest full coverage car insurance quotes in Pensacola?
State Farm Mutual Auto has the cheapest full coverage car insurance quotes in Pensacola among all the carriers analyzed. You can save an average of $1,701 per year on a full coverage policy in Pensacola by comparing price quotes from different carriers.
Is Pensacola car insurance free?
Best of all, it’s 100% free. What is the cheapest car insurance in Pensacola? Based on thousands of Pensacola drivers Jerry has worked with, car insurance in Pensacola costs an average of $131 per month for state-minimum coverage and $154 per month for full coverage.