Every year around this time, I re-up my car insurance. And every year, I wonder why I pay indeed much. I own a 10-year-old hand truck, tug fewer miles than the average floridian, and haven ’ metric ton had a travel rapidly ticket or other traffic misdemeanor since the Clinton presidency. My last crash was seven years ago and the early driver was 100 percentage at demerit. He received four tickets, including one for turning in front of oncoming dealings. I qualify as a “ safe driver ”. It says thus on my driver ’ s license. I ’ ve considered switching companies, but the price quotes are all about the like. No matter what the annoying gecko says, I never seem to “ save 15 percentage or more ” on my car insurance. When I ask about the price, the general answer is, “ Car policy is expensive in Florida. ”

indeed it is. I count my blessings when I see what the typical driver forks over. The average annual car indemnity poster in Florida is $ 2,219, one-third highest in the area behind Michigan and Louisiana, according to Insure.com. At the other end of the range, Maine and Wisconsin averaged less than $ 1,000. The national average was $ 1,457. The Insure.com report wasn ’ t an anomaly. WalletHub recently pegged Florida ’ sulfur average at close to $ 2,500, second gear highest in the state. Bankrate.com ’ sulfur calculation came in at $ 1,823, third highest. indemnity prices besides vary within the department of state. Drivers in Gainesville paid the lowest, according to WalletHub. Their counterparts in Lake Worth and Hialeah paid doubly arsenic much for similar coverage. Drivers in Tampa, St. Petersburg and Clearwater fell in the middle of the state ’ randomness price image. In cosmopolitan, Florida ’ s mid-sized cities have lower rates. Women pay slenderly more than men and senesce matters, a bunch. A 16-year old pays 342 percentage more than a 56-year-old, WalletHub found. WalletHub analyst Jill Gonzalez said she thought car indemnity companies would have gotten more sophisticated on age-based evaluations given advances in data analysis tools and predictive mold. “ not all unseasoned people are so much riskier than older folks on the road, ” she said. Why are rates in Florida so expensive ? A huge count of uninsured drivers doesn ’ deoxythymidine monophosphate help. The Insurance Research Council found that more than a quarter of Florida ’ s drivers don ’ deoxythymidine monophosphate carry insurance, the most of any state. That drives up costs for everyone. thus does the fact that a lot of claims in Florida involve lawyers, according to Insure.com. The state ’ s bane of bogus broken windshield cases doesn ’ deoxythymidine monophosphate help, nor do spikes in car larceny in some cities. state of matter policy officials blame severe weather for higher comprehensive premiums, which pay to repair vehicles damaged by something unrelated to an accident. Tourists unfamiliar with our roads create more fender benders, they say. And the express has a high percentage of college-aged drivers and those over 75-years previous, both of whom can pay more for insurance .

Follow trends affecting the local economy

pledge to our complimentary business by the Bay newsletter We ’ ll break down the latest business and consumer news program and insights you need to know every Wednesday. Loading …

You’re all signed up!

Want more of our free, weekly newsletters in your inbox ? Let’s get started.Explore all your options Florida besides requires drivers to pay for $ 10,000 worth of personal injury protection, which covers medical costs after accidents. often referred to as PIP, the coverage raises prices by roughly 20 percentage, Insure.com reported. In what has become an annual event, lawmakers in Tallahassee have floated the mind of abolishing the no-fault program. Florida ’ s recently strengthened laws on texting while driving could cut both ways. If fewer drivers get into accidents, that could lower rates. But drivers who get a tag for violating the law could see their rates go up.

“ Of course, the extent of that will depend on the insurance company, ” Gonzalez said. Age and sex are out of our control condition, but there are things we can do to keep rates in see. Save the NASCAR tactics for the track. WalletHub found that a speed tag received three months earlier can increase rates by 21 percentage. foolhardy drive, 23 percentage. A DUI, 27 percentage. An accident without injuries in the by year can boost rates by 43 percentage. Buy the right vehicle. Some are much cheaper to insure than others. Think safe and a little bore compared to a car that goes zero to 60 miles per hour in four seconds. Get every discount. Are you a seasoned ? Tell your policy agent. Don ’ metric ton tug much ? Tell them that, besides. same goes for bundling policies or anti-theft systems. Every company is a short different, but they all have discounts. A good credit rating can lower the cost. sol can increasing your deductible or getting less coverage for non-accident refer claims. Getting marry serve, but not very much, WalletHub found. Professionals would besides tell you to shop around, despite the fact that it hasn ’ deoxythymidine monophosphate worked for me. There ’ second constantly adjacent year .

Florida’s auto insurance rates by city

WalletHub compared rates in Florida ’ s 30 largest cities. Gainesville ranked No.1 for lowest rates. Clearwater ranked 15th., St. Petersburg, 19th, and Tampa, 20th. Least expensive 1. Gainesville 2. Panama City 3. fortress Myers 4. Ocala 5. sarasota Most expensive 1. Hialeah 2. Lake worth 3. Boynton Beach

4. homestead 5. Fort Lauderdale source : WalletHub

Leave a Reply

Your email address will not be published. Required fields are marked *