Lake Wales, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lake Wales, 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 Lake Wales, 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.
- Lake Wales, FL Auto Insurance Rates
- Lake Wales, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lake Wales, FL
- Multi Vehicle Insurance Savings in Lake Wales, FL
- How Credit Score Affects Car Insurance Rates in Lake Wales, FL
- How DUI Affects Auto Insurance Premiums in Lake Wales, FL
- Top Auto Insurance Agents Near Lake Wales, FL
- How Driving Violations Affect Auto Insurance Rates in Lake Wales, FL
- Lake Wales, FL Auto Insurance Discounts on Anti Theft Feature
- Lake Wales, FL Auto Insurance Company Reviews
Lake Wales, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lake Wales, FL with that of other cities in and around Lake Wales.
| Lake Wales | Frostproof | Highland Park | Babson Park | Crooked Lake Park | Dundee | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,444 | $2,040 | $2,066 | $2,094 | $2,047 | $2,086 |
Lake Wales, 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 Lake Wales, 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) |
|---|---|---|
| Lake Wales | $1,463 | $1,235 |
| Babson Park | $1,205 | $1,018 |
| Hillcrest Heights | $1,649 | $1,393 |
| Highland Park | $1,928 | $1,629 |
| Crooked Lake Park | $1,577 | $1,332 |
| Frostproof | $1,340 | $1,132 |
| Waverly | $1,298 | $1,096 |
| Dundee | $1,949 | $1,646 |
Lake Wales, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lake Wales, 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 | $4,686 |
| 20 Years | $1,855 |
| 30 Years | $1,429 |
| 40 Years | $1,375 |
| 50 Years | $1,273 |
| 60 Years | $1,291 |
| 70 Years | $1,503 |
Lake Wales, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lake Wales, 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 | $2,541 | $347 |
| 3 Vehicles | $3,812 | $520 |
| 4 Vehicles | $5,083 | $693 |
Savings on 2 Vehicles bundle:$347
Savings on 3 Vehicles bundle:$520
Savings on 4 Vehicles bundle:$693
Lake Wales, 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 Lake Wales, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lake Wales | $1,444 | $2,260 |
| Babson Park | $2,094 | $3,277 |
| Hillcrest Heights | $2,142 | $3,352 |
| Highland Park | $2,066 | $3,233 |
| Crooked Lake Park | $2,047 | $3,204 |
| Frostproof | $2,040 | $3,193 |
| Waverly | $2,044 | $3,199 |
| Dundee | $2,086 | $3,265 |
Lake Wales, 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) | $1,239 |
| Excellent (740-799) | $1,414 |
| Good (670-739) | $1,505 |
| Average (580-669) | $1,963 |
| Poor (300-579) | $2,355 |
Lake Wales, 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 |
|---|---|---|---|
| Mike Pearce | State Farm | 132 W Central Ave, Lake Wales, 33853-4012 | 863-676-8511 |
| Devi Leonard | Allstate | 240 S 1st St, Lake Wales, 33853 | (863) 676-5658 |
| Ramsgate Insurance, Inc. Dba 1st Quality Insurance Group | None | 250 East Park Avenue , Lake Wales, 33853 | None |
| Waller Insurance Partners Inc. | Liberty Mutual Independent | 1500 6Th St Nw, WINTER HAVEN, 33881 | (863) 294-4241 |
| Bullard Agency, Inc. | None | 221 E Stuart Ave , Lake Wales, 33853 | None |
| Community Insurance Group Inc | Travelers | 505 Westbrook Ave, Brandon, 33511 | None |
| Timothy Dance | Allstate | 216 E Robertson St, Brandon, 33511 | (813) 661-3939 |
| Max Duke | Allstate | 1010 W Main St, Avon Park, 33825 | (863) 452-6822 |
| Kirby Soar Insurance Inc | Travelers | 809 S EVERS ST, PLANT CITY, 33566 | 813-752-1680 |
Lake Wales, 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 | +$64 | $1,508 |
| Driver's Failure In Showing Documents | +$140 | $1,584 |
| Driving With An Expired Registration | +$149 | $1,593 |
| Driving At A Considerably Slow Pace | +$313 | $1,757 |
| Using A Cellphone While Driving | +$331 | $1,775 |
| Running A Red Light | +$336 | $1,780 |
| Speeding | +$354 | $1,798 |
| Driving A Vehicle Without The Required Permission | +$449 | $1,893 |
| Driving With An Expired/Suspended License | +$973 | $2,417 |
Lake Wales, 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 | $1,386 |
| Active Disabling Device | $1,386 |
| Tracking Device | $1,357 |
| Passive Disabling Device | $1,343 |
Latest Auto Insurance Reviews in Lake Wales, FL | Back to Top
UsaaI have shopped several companies, but I did not find a better price than USAA offered. Also, when you need them they are all to eager to help.
UsaaMy car insurance has saved me in the past in that I have been in accidents where I needed the exact coverage I had and they were very helpful in getting my car back on the road
Amica Mutual InsuranceAmica Mutual Insurance policy offerings are on par if not better than other insurance providers. They know what the State of Minnesota requirements are and incorporate those requirements.