Crystal River, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Crystal River, 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 Crystal River, 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.
- Crystal River, FL Auto Insurance Rates
- Crystal River, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Crystal River, FL
- Multi Vehicle Insurance Savings in Crystal River, FL
- How Credit Score Affects Car Insurance Rates in Crystal River, FL
- How DUI Affects Auto Insurance Premiums in Crystal River, FL
- Top Auto Insurance Agents Near Crystal River, FL
- How Driving Violations Affect Auto Insurance Rates in Crystal River, FL
- Crystal River, FL Auto Insurance Discounts on Anti Theft Feature
- Crystal River, FL Auto Insurance Company Reviews
Crystal River, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Crystal River, FL with that of other cities in and around Crystal River.
| Crystal River | Homosassa Springs | Pine Ridge | Beverly Hills | Black Diamond | Lecanto | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,701 | $2,039 | $2,201 | $2,028 | $2,299 | $2,131 |
Crystal River, 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 Crystal River, 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) |
|---|---|---|
| Crystal River | $932 | $787 |
| Homosassa | $1,882 | $1,589 |
| Citrus County | $1,099 | $928 |
| Homosassa Springs | $1,568 | $1,324 |
| Lecanto | $1,998 | $1,688 |
| Black Diamond | $1,344 | $1,135 |
| Pine Ridge | $1,690 | $1,428 |
| Beverly Hills | $1,909 | $1,612 |
Crystal River, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Crystal River, 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 | $5,519 |
| 20 Years | $2,186 |
| 30 Years | $1,683 |
| 40 Years | $1,620 |
| 50 Years | $1,500 |
| 60 Years | $1,521 |
| 70 Years | $1,770 |
Crystal River, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Crystal River, 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 | $2,892 | $510 |
| 3 Vehicles | $4,338 | $765 |
| 4 Vehicles | $5,783 | $1,021 |
Savings on 2 Vehicles bundle:$510
Savings on 3 Vehicles bundle:$765
Savings on 4 Vehicles bundle:$1,021
Crystal River, 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 Crystal River, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Crystal River | $1,701 | $2,662 |
| Homosassa | $2,285 | $3,576 |
| Citrus County | $1,806 | $2,826 |
| Homosassa Springs | $2,039 | $3,191 |
| Lecanto | $2,131 | $3,335 |
| Black Diamond | $2,299 | $3,598 |
| Pine Ridge | $2,201 | $3,445 |
| Beverly Hills | $2,028 | $3,174 |
Crystal River, 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) | $1,459 |
| Excellent (740-799) | $1,666 |
| Good (670-739) | $1,772 |
| Average (580-669) | $2,312 |
| Poor (300-579) | $2,775 |
Crystal River, 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 |
|---|---|---|---|
| West Coast Insurers Of Crystal River Inc | Travelers | 104 SE 7TH AVE, CRYSTAL RIVER, 34429 | 352-795-2354 |
| Ed Buckley | State Farm | 3899 S Suncoast Blvd, Homosassa, 34448-2618 | 352-628-6944 |
| Tarayn Mcleod | Allstate | 1212 NE 36th Ave, Ocala, 34470 | (352) 236-2126 |
| Morrow Insurance Group | Liberty Mutual Independent | 18936 N Dale Mabry Hwy , Lutz, 33548 | (813) 863-9740 |
| Linda Lane | State Farm | 901 NE Hwy 19, Crystal River, 34429 | 352-563-0101 |
| West Greenwich Insurance Agency | None | 18401 Floralton Dr , Spring Hill, 34610 | None |
| Kevin W. Mcdonald | Allstate | 2118 SW 20th Pl Ste 101, Ocala, 34471 | (352) 622-2333 |
| Moody Davirro & Associates Inc | Travelers | 24626 SR 54 W, LUTZ, 33559 | 813-973-0441 |
Crystal River, 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 | +$75 | $1,776 |
| Driver's Failure In Showing Documents | +$165 | $1,866 |
| Driving With An Expired Registration | +$175 | $1,876 |
| Driving At A Considerably Slow Pace | +$369 | $2,070 |
| Using A Cellphone While Driving | +$390 | $2,091 |
| Running A Red Light | +$396 | $2,097 |
| Speeding | +$417 | $2,118 |
| Driving A Vehicle Without The Required Permission | +$529 | $2,230 |
| Driving With An Expired/Suspended License | +$1,146 | $2,847 |
Crystal River, 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 | $1,633 |
| Active Disabling Device | $1,633 |
| Tracking Device | $1,599 |
| Passive Disabling Device | $1,582 |
Latest Auto Insurance Reviews in Crystal River, FL | Back to Top
GeicoI would recommend Geico to others because they are easy to contact, their premium and coverage is comparable (if not better) and they have an easy to use app.
UsaaMy car insurance company offers me free towing up to $50 and helps if I have a flat tire so it is really good.
ProgressiveMy premium for my auto insurance is broken up into monthly payments that are conveniently automatically withdrawn from my account every month. The monthly cost is approximately $75.
GeicoI would highly recommend GEICO to anyone. They take care of the customer when needed. They make it easy to update your claim and information by phone or online.
Farmer's InsuranceI like my car insurance company because they have road side assistance and good rates. They transfer me to an actual human representative quite quickly anytime I call.
ProgressiveWe switched from State Farm to Progressive after having numerous problems with State Farm. I am completely satisfied with Progressive and feel that I am in good hands.
AllstateI am paying 1/2 the premium that I was paying Liberty Mutual.
State FarmThe premium is a little cheaper which may or may not reflect the company. I tend to think the sales rep was hungry and gave me a better deal than he would have to someone who wasn't comparison shopping. Deductible is the same at all car insurance companies so that isn't worth wasting words on.
State FarmThe premium is a little cheaper which may or may not reflect the company. I tend to think the sales rep was hungry and gave me a better deal than he would have to someone who wasn't comparison shopping. Deductible is the same at all car insurance companies so that isn't worth wasting words on.
EsuranceCurrently we have two driver's covered and two cars covered under our policy and only pay 115 per month. With Progressive we were paying 160 for the same and we didn't even have any extras added on!
AllstateI have not compared offerings between multiple insurance companies. I like that my insurance provider is personable and has been in the community for many years. I have never had a negative interaction with them.