Ruskin, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ruskin, 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 Ruskin, 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.
- Ruskin, FL Auto Insurance Rates
- Ruskin, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ruskin, FL
- Multi Vehicle Insurance Savings in Ruskin, FL
- How Credit Score Affects Car Insurance Rates in Ruskin, FL
- How DUI Affects Auto Insurance Premiums in Ruskin, FL
- Top Auto Insurance Agents Near Ruskin, FL
- How Driving Violations Affect Auto Insurance Rates in Ruskin, FL
- Ruskin, FL Auto Insurance Discounts on Anti Theft Feature
- Ruskin, FL Auto Insurance Company Reviews
Ruskin, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ruskin, FL with that of other cities in and around Ruskin.
| Ruskin | Sun City Center | Apollo Beach | Gulfport | St. Petersburg | Ellenton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,638 | $2,140 | $2,237 | $2,144 | $2,136 | $2,093 |
Ruskin, 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 Ruskin, 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) |
|---|---|---|
| Ruskin | $1,375 | $1,161 |
| Apollo Beach | $3,035 | $2,564 |
| Palmetto | $2,149 | $1,815 |
| Memphis | $1,519 | $1,283 |
| Sun City Center | $2,052 | $1,733 |
| St. Petersburg | $1,017 | $859 |
| Ellenton | $1,475 | $1,246 |
| Gulfport | $1,022 | $863 |
Ruskin, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ruskin, 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 | $5,315 |
| 20 Years | $2,105 |
| 30 Years | $1,621 |
| 40 Years | $1,560 |
| 50 Years | $1,444 |
| 60 Years | $1,464 |
| 70 Years | $1,705 |
Ruskin, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ruskin, 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 | $2,883 | $393 |
| 3 Vehicles | $4,324 | $590 |
| 4 Vehicles | $5,766 | $786 |
Savings on 2 Vehicles bundle:$393
Savings on 3 Vehicles bundle:$590
Savings on 4 Vehicles bundle:$786
Ruskin, 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 Ruskin, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ruskin | $1,638 | $2,564 |
| Apollo Beach | $2,237 | $3,501 |
| Palmetto | $1,369 | $2,143 |
| Memphis | $2,100 | $3,287 |
| Sun City Center | $2,140 | $3,349 |
| St. Petersburg | $2,136 | $3,343 |
| Ellenton | $2,093 | $3,276 |
| Gulfport | $2,144 | $3,355 |
Ruskin, 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) | $1,405 |
| Excellent (740-799) | $1,604 |
| Good (670-739) | $1,707 |
| Average (580-669) | $2,227 |
| Poor (300-579) | $2,672 |
Ruskin, 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 |
|---|---|---|---|
| Sylvia Rusche | State Farm | 104 1st St N, St Petersburg, 33701-3305 | 727-502-9412 |
| Mark Rossmiller | State Farm | 212 Apollo Beach Blvd, Apollo Beach, 33572-2200 | 813-645-3276 |
| Acg South Insurance Agency Llc | Travelers | 1211 1ST AVE NORTH, ST PETERSBURG, 33705 | 800-891-4222 |
| Acg South Insurance Agency Llc | Travelers | 800 SECOND AVE S, ST PETERSBURG, 33701 | 800-891-4222 |
| Acg South Insurance Agency Llc | Travelers | 800 SECOND AVE S, ST PETERSBURG, 33701 | 800-891-4222 |
| Florida Strategic Insurance Llc | Travelers | 600 1ST AVE N STE 303G, ST PETERSBURG, 33701 | 727-546-6000 |
| Erik Macmurray | Allstate | 1904 4th St N, Saint Petersburg, 33704 | (727) 896-5195 |
| Erik Macmurray | Allstate | 1904 4th St N, Saint Petersburg, 33704 | (727) 896-5195 |
| Stanley Dean | State Farm | 4017 34th St S, St Petersburg, 33711-4306 | 727-864-3400 |
Ruskin, 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 | +$72 | $1,710 |
| Driver's Failure In Showing Documents | +$159 | $1,797 |
| Driving With An Expired Registration | +$169 | $1,807 |
| Driving At A Considerably Slow Pace | +$355 | $1,993 |
| Using A Cellphone While Driving | +$375 | $2,013 |
| Running A Red Light | +$382 | $2,020 |
| Speeding | +$401 | $2,039 |
| Driving A Vehicle Without The Required Permission | +$509 | $2,147 |
| Driving With An Expired/Suspended License | +$1,104 | $2,742 |
Ruskin, 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 | $1,572 |
| Active Disabling Device | $1,572 |
| Tracking Device | $1,540 |
| Passive Disabling Device | $1,523 |
Latest Auto Insurance Reviews in Ruskin, FL | Back to Top
UsaaThe premium and deductible of my policy for USAA is fair. I think I may pay slightly higher, but it is worth it to me for the great customer service, ease of communication and speediness of resolving issues.
AllstateThey are high in deductible. They should lower the deductible and try to work with the consumer.
UsaaMy experience with my USAA has been pleasant and I have no complaints about my past experiences with their customer service representatives.
AaaMy premiums are lower than any other places that I've checked, especially when I compare the coverage I'm getting for the low price that I pay. I am very satisfied with the premium I pay.
UsaaCustomer service is easy to reach and they will actually call you so you don't have to wait on the line which I think is great and stands out from other services.