Palm Harbor, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Palm 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 Palm 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.
- Palm Harbor, FL Auto Insurance Rates
- Palm Harbor, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Palm Harbor, FL
- Multi Vehicle Insurance Savings in Palm Harbor, FL
- How Credit Score Affects Car Insurance Rates in Palm Harbor, FL
- How DUI Affects Auto Insurance Premiums in Palm Harbor, FL
- How Driving Violations Affect Auto Insurance Rates in Palm Harbor, FL
- Palm Harbor, FL Auto Insurance Discounts on Anti Theft Feature
- Palm Harbor, FL Auto Insurance Company Reviews
Palm Harbor, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Palm Harbor, FL with that of other cities in and around Palm Harbor.
| Palm Harbor | Oldsmar | Tarpon Springs | Greenbriar | Holiday | East Lake | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,323 | $2,165 | $1,759 | $2,148 | $2,032 | $1,880 |
Palm 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 Palm 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) |
|---|---|---|
| Palm Harbor | $1,152 | $973 |
| Tarpon Springs | $1,752 | $1,480 |
| East Lake | $1,470 | $1,241 |
| Greenbriar | $1,710 | $1,444 |
| Dunedin | $1,102 | $931 |
| Oldsmar | $1,488 | $1,257 |
| Safety Harbor | $1,340 | $1,132 |
| Holiday | $1,890 | $1,596 |
Palm Harbor, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Palm 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 | $4,293 |
| 20 Years | $1,700 |
| 30 Years | $1,309 |
| 40 Years | $1,260 |
| 50 Years | $1,167 |
| 60 Years | $1,183 |
| 70 Years | $1,377 |
Palm Harbor, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Palm 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 | $2,302 | $344 |
| 3 Vehicles | $3,453 | $516 |
| 4 Vehicles | $4,604 | $688 |
Savings on 2 Vehicles bundle:$344
Savings on 3 Vehicles bundle:$516
Savings on 4 Vehicles bundle:$688
Palm 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 Palm Harbor, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Palm Harbor | $1,323 | $2,071 |
| Tarpon Springs | $1,759 | $2,753 |
| East Lake | $1,880 | $2,942 |
| Greenbriar | $2,148 | $3,362 |
| Dunedin | $1,708 | $2,673 |
| Oldsmar | $2,165 | $3,388 |
| Safety Harbor | $2,241 | $3,507 |
| Holiday | $2,032 | $3,180 |
Palm 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) | $1,135 |
| Excellent (740-799) | $1,296 |
| Good (670-739) | $1,379 |
| Average (580-669) | $1,799 |
| Poor (300-579) | $2,158 |
Palm 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 | +$58 | $1,381 |
| Driver's Failure In Showing Documents | +$128 | $1,451 |
| Driving With An Expired Registration | +$136 | $1,459 |
| Driving At A Considerably Slow Pace | +$287 | $1,610 |
| Using A Cellphone While Driving | +$303 | $1,626 |
| Running A Red Light | +$308 | $1,631 |
| Speeding | +$324 | $1,647 |
| Driving A Vehicle Without The Required Permission | +$411 | $1,734 |
| Driving With An Expired/Suspended License | +$892 | $2,215 |
Palm 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 | $1,270 |
| Active Disabling Device | $1,270 |
| Tracking Device | $1,244 |
| Passive Disabling Device | $1,230 |
Latest Auto Insurance Reviews in Palm Harbor, FL | Back to Top
UsaaI feel like the premiums and deductibles are mostly fair with my current car insurance company. I feel like the deductibles are somewhat high, but are comparable to other companies in my area.
AllstateAllstate's car insurance is expensive if you are in your teens or early twenties. I have never had a problem with the car insurance side of Allstate. I have had one accident and they forgave it.
UsaaCompared to my wife's, I pay a lower price then her. I feel like I get better service as well. I feel like i am a 5 due to the price and service
Safeco InsuranceNot only do we get personal service from the local office, we also get personal service from the call center. They answer right away always and always have the answers which is awesome.
Safeco InsuranceNot only do we get personal service from the local office, we also get personal service from the call center. They answer right away always and always have the answers which is awesome.
State FarmState farm offers exactly what we need without the fluff and extras. They have no need to add on promotions for limited time to get you to try more products, they simply offer you a discount for combining multiple insurances such as auto, home, life.
AllstateIt is a bit expensive, even as a safe driver over twenty five, I'm really starting to notice the premium on this company is "premium"
GeicoI have found customer service with Geico to be excellent. I never have to wait more than 2-3 minutes to speak with a person. Representatives are professional and courteous (and know their stuff).