Palm Coast, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Palm Coast, 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 Palm Coast, 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.
- Palm Coast, FL Auto Insurance Rates
- Palm Coast, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Palm Coast, FL
- Multi Vehicle Insurance Savings in Palm Coast, FL
- How Credit Score Affects Car Insurance Rates in Palm Coast, FL
- How DUI Affects Auto Insurance Premiums in Palm Coast, FL
- Top Auto Insurance Agents Near Palm Coast, FL
- How Driving Violations Affect Auto Insurance Rates in Palm Coast, FL
- Palm Coast, FL Auto Insurance Discounts on Anti Theft Feature
- Palm Coast, FL Auto Insurance Company Reviews
Palm Coast, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Palm Coast, FL with that of other cities in and around Palm Coast.
| Palm Coast | Beverly Beach | Bunnell | Marineland | Flagler County | Matanzas | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,252 | $2,109 | $1,502 | $1,901 | $1,355 | $2,192 |
Palm Coast, 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 Palm Coast, 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) |
|---|---|---|
| Palm Coast | $1,492 | $1,261 |
| Flagler County | $1,341 | $1,133 |
| Flagler Beach | $1,496 | $1,263 |
| Beverly Beach | $1,262 | $1,066 |
| Bunnell | $1,018 | $860 |
| Marineland | $1,958 | $1,654 |
| Crescent Beach | $1,367 | $1,154 |
| Matanzas | $1,154 | $974 |
Palm Coast, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Palm Coast, 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 | $4,063 |
| 20 Years | $1,609 |
| 30 Years | $1,239 |
| 40 Years | $1,192 |
| 50 Years | $1,104 |
| 60 Years | $1,119 |
| 70 Years | $1,303 |
Palm Coast, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Palm Coast, 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 | $2,204 | $300 |
| 3 Vehicles | $3,305 | $451 |
| 4 Vehicles | $4,407 | $601 |
Savings on 2 Vehicles bundle:$300
Savings on 3 Vehicles bundle:$451
Savings on 4 Vehicles bundle:$601
Palm Coast, 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 Palm Coast, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Palm Coast | $1,252 | $1,959 |
| Flagler County | $1,355 | $2,121 |
| Flagler Beach | $2,264 | $3,543 |
| Beverly Beach | $2,109 | $3,301 |
| Bunnell | $1,502 | $2,351 |
| Marineland | $1,901 | $2,975 |
| Crescent Beach | $2,439 | $3,817 |
| Matanzas | $2,192 | $3,431 |
Palm Coast, 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) | $1,074 |
| Excellent (740-799) | $1,226 |
| Good (670-739) | $1,305 |
| Average (580-669) | $1,702 |
| Poor (300-579) | $2,042 |
Palm Coast, 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 |
|---|---|---|---|
| Koch Insurance Agency Inc | Travelers | 50 LEANNI WAY STE B-1, PALM COAST, 32137 | 386-445-4141 |
| Ken Moscone | Allstate | 213 S 2nd St Unit 9, Flagler Beach, 32136 | (386) 439-0500 |
| Robert Conser | Allstate | 17 Old Kings Rd N Ste R, Palm Coast, 32137 | (386) 447-0003 |
| Angel Hall | State Farm | 800 Belle Terre Pkwy Ste 114, Palm Coast, 32164-2315 | 386-437-7117 |
| Angel Hall | State Farm | 800 Belle Terre Pkwy Ste 114, Palm Coast, 32164-2315 | 386-437-7117 |
| Flagler County Insurance Agency Inc | Travelers | 406 E MOODY BLVD, BUNNELL, 32110 | 386-437-3392 |
| Kim Lego | State Farm | 13820 Old St Aug Rd Ste 401, Jacksonville, 32258-5491 | 904-268-9900 |
| Welch Insurance & Financial Services Llc | Travelers | 4883 PALM COAST PARKWAY NW STE 5, PALM COAST, 32137 | 386-446-4226 |
| Suncoast Group Insurance Agency Inc | Travelers | 166 A1A NORTH STE 215, PONTE VEDRA BEACH, 32082 | 904-595-6500 |
Palm Coast, 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 | +$55 | $1,307 |
| Driver's Failure In Showing Documents | +$121 | $1,373 |
| Driving With An Expired Registration | +$129 | $1,381 |
| Driving At A Considerably Slow Pace | +$272 | $1,524 |
| Using A Cellphone While Driving | +$287 | $1,539 |
| Running A Red Light | +$292 | $1,544 |
| Speeding | +$307 | $1,559 |
| Driving A Vehicle Without The Required Permission | +$389 | $1,641 |
| Driving With An Expired/Suspended License | +$844 | $2,096 |
Palm Coast, 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 | $1,202 |
| Active Disabling Device | $1,202 |
| Tracking Device | $1,177 |
| Passive Disabling Device | $1,164 |
Latest Auto Insurance Reviews in Palm Coast, FL | Back to Top
GeicoI would recommend this company for car insurance because although it takes many attempts to get things done, everything is ultimately done. There are many coverage options to meet people where they are financially.
UsaaI completely recommend USAA as a car insurance company as well, as we have had only the best service from them.
Farmer's InsuranceThe premium is every 6 months. I'm paying roughly $600 for two vehicles. One has a $500 deductible and the other a $300 deductible. Both cars are still being financed so we have full coverage.
Allstatei think its comparable. they offer all the same things other big insurance companies out there offer. they are very comparable to all the other companies i have looked into
Usaai am not satisfied with the 1000 deductible and i don't know how this compares to other companies.
State FarmI feel as if State Farm have the best premium and Deductible policy compared to all the other insurance companies I have search around and dealt with.
UsaaOne thing i may dislike is that they don't have banking centers or ATM. They do reimburse you on ATM fees when using any ATM. Sometimes having a banking center to go to deposit cash or withdraw certain denomination of cash is needed.
UsaaI am completely satisfied about the company service I have received through USAA. They have helped me navigate the auto insurance world in an easy effective manner, and I have gotten a lot of advice along the way.
UsaaI like that i can call their customer service departments and also chat with them online via their site but I don't like that there are no locations that I can walk into and interact with a human on the other side.