Factors Influencing Cost of Car Insurance in Sebastian, FL

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The average cost of car insurance in  Sebastian, FL, is $2,142. This cost is lower than nearby locations like Winter Beach and Wabasso Beach but much higher than other nearby locations like Wabasso, Micco, and Windsor. The average cost of car insurance varies depending on various factors like location, make, and model of the car, age of the driver, deductibles, and credit scores. Car owners in Sebastian, FL, can save more on the cost of car insurance by considering these factors and comparing various policies offered by different insurance companies. Below is a list by Zimlon of factors that influence the cost of car insurance in Sebastian, FL, the most. 

Location and Neighborhood: 

The neighborhood one lives in  Sebastian, FL is one of the important factors influencing the cost of car insurance. Zimlon offers the service of finding accurate insurance quotes using one’s accurate zip code. The make and model of the vehicle and the rate of auto thefts in the neighborhood also increase or reduce the insurance costs within the city.

Deductibles: 

This is one of the most common factors influencing the cost of car insurance in Sebastian, FL.  A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. These deductibles can vary depending upon the make and model of the vehicle. For example, in Sebastian, FL, the average cost of auto insurance on a deductible of $500 is $1,725. This cost will decrease to $1,457 when the deductible is $1,000.

Age of the Driver: 

Zimlon’s analysis found that teenagers usually pay much higher costs of car insurance in Sebastian, FL. This is mainly because insurance companies consider teenagers to be less responsible drivers than middle-aged or older drivers. Below is the list of the cost of car insurance in Sebastian, FL based on the different age groups.

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Driving Violations: 

Driving Violations is another crucial factor that influences the cost of car insurance in Sebastian, FL. Violations such as driving with an expired license or speeding can have a severe influence on auto insurance costs because it increases the amount of risk being covered by insurers. Car owners in Sebastian, FL can reduce the cost of car insurance by avoiding driving violations. 

Zimlon analysis found that drivers in Sebastian, FL pays an increased cost of +$94 for driving without headlights. Failing to show documents or driving with an expired registration can further increase the cost of car insurance to $208 and $221 respectively. More severe violations like driving with an expired or suspended license in Sebastian, FL can increase the cost of car insurance to $1,444. 

Credit Score:

Having an “excellent” or “good” credit score will also help in making car insurance less expensive in Sebastian, FL. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Sebastian, FL, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,838. On the other hand, the average cost of car insurance can get as high as $2,912 and $3,494 if the credit score of a car diver in Sebastian, FL is average or poor.