Charlotte Harbor, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Charlotte Harbor, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Charlotte Harbor, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Charlotte Harbor, FL Auto Insurance Rates
- Charlotte Harbor, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Charlotte Harbor, FL
- Multi Vehicle Insurance Savings in Charlotte Harbor, FL
- How Credit Score Affects Car Insurance Rates in Charlotte Harbor, FL
- How DUI Affects Auto Insurance Premiums in Charlotte Harbor, FL
- Top Auto Insurance Agents Near Charlotte Harbor, FL
- How Driving Violations Affect Auto Insurance Rates in Charlotte Harbor, FL
- Charlotte Harbor, FL Auto Insurance Discounts on Anti Theft Feature
Charlotte Harbor, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Charlotte Harbor, FL with that of other cities in and around Charlotte Harbor.
| Charlotte Harbor | Port Charlotte | Charlotte Park | Cleveland | Solana | North Port | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,093 | $1,712 | $2,172 | $2,035 | $2,049 | $1,250 |
Charlotte Harbor, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Charlotte Harbor, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Charlotte Harbor | $2,156 | $1,821 |
| Solana | $2,203 | $1,861 |
| Harbour Heights | $1,255 | $1,060 |
| Port Charlotte | $2,000 | $1,690 |
| Charlotte Park | $1,091 | $921 |
| Cleveland | $1,291 | $1,090 |
| Charlotte County | $2,889 | $2,440 |
| North Port | $1,500 | $1,267 |
Charlotte Harbor, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Charlotte Harbor, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $6,791 |
| 20 Years | $2,689 |
| 30 Years | $2,071 |
| 40 Years | $1,993 |
| 50 Years | $1,846 |
| 60 Years | $1,871 |
| 70 Years | $2,178 |
Charlotte Harbor, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Charlotte Harbor, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,600 | $586 |
| 3 Vehicles | $5,400 | $879 |
| 4 Vehicles | $7,200 | $1,172 |
Savings on 2 Vehicles bundle:$586
Savings on 3 Vehicles bundle:$879
Savings on 4 Vehicles bundle:$1,172
Charlotte Harbor, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Charlotte Harbor, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Charlotte Harbor | $2,093 | $3,276 |
| Solana | $2,049 | $3,207 |
| Harbour Heights | $2,164 | $3,387 |
| Port Charlotte | $1,712 | $2,679 |
| Charlotte Park | $2,172 | $3,399 |
| Cleveland | $2,035 | $3,185 |
| Charlotte County | $1,575 | $2,465 |
| North Port | $1,250 | $1,956 |
Charlotte Harbor, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,796 |
| Excellent (740-799) | $2,050 |
| Good (670-739) | $2,181 |
| Average (580-669) | $2,845 |
| Poor (300-579) | $3,414 |
Charlotte Harbor, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| John Joiner | Allstate | 701 J C Center Ct Unit 11, Port Charlotte, 33954 | (941) 613-2112 |
| Abc Insurance Group | Travelers | 2605 TAMIAMI TRAIL UNIT 7, PORT CHARLOTTE, 33952 | 941-255-5663 |
| Great Florida Of North Port | Travelers | 3335 BOBCAT VILLAGE CENTER RD, NORTH PORT, 34288 | 941-564-6540 |
| Edward Donnelly | Allstate | 2200 Kings Hwy Unit 2H, Port Charlotte, 33980 | (941) 629-0041 |
| Acg South Insurance Agency Llc | Travelers | 21229-A OLEAN BLVD, PT CHARLOTTE, 33952 | 800-891-4222 |
| Time Insurance Agency Inc | Travelers | 115 OLYMPIA AVE W, PUNTA GORDA, 33950 | 941-637-1106 |
| Jabin Niles | State Farm | 17829 Murdock Cir Unit B, Pt Charlotte, 33948-4095 | 941-206-0000 |
| Tracey Coppin | Allstate | 9671 Gladiolus Dr Ste 105, Fort Myers, 33908 | (239) 489-2442 |
| Allphase Insurance Services, Inc. | None | 3280 Tamiami Trl Unit 54B , Port Charlotte, 33952 | None |
| Lane Ins Group Llc | Travelers | 21105 DESIGN PARC LN STE 103, ESTERO, 33928 | 239-947-7474 |
Charlotte Harbor, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$92 | $2,185 |
| Driver's Failure In Showing Documents | +$203 | $2,296 |
| Driving With An Expired Registration | +$216 | $2,309 |
| Driving At A Considerably Slow Pace | +$454 | $2,547 |
| Using A Cellphone While Driving | +$479 | $2,572 |
| Running A Red Light | +$488 | $2,581 |
| Speeding | +$513 | $2,606 |
| Driving A Vehicle Without The Required Permission | +$651 | $2,744 |
| Driving With An Expired/Suspended License | +$1,411 | $3,504 |
Charlotte Harbor, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,009 |
| Active Disabling Device | $2,009 |
| Tracking Device | $1,967 |
| Passive Disabling Device | $1,946 |