Auto insurance rates and prices in Florida.
Types of cars and how they affect your insurance rates.

Blue Sky auto insurance agency in Boca Raton provides tips on car insurance rates associated with the type of car you own and other important factors.

Here are some tips on how to save money on your Florida car insurance. There are many factors that determine the cost of your car insurance rates:
• Driver record • Your age • Credit rating • Location of your residence and how far and often you travel.
• Repair costs • Claim rates • Vehicle type • Theft rate
In this section of our tips and advice we address the type of car you own or are considering purchasing and how that will affect your auto insurance premiums.

The national average for auto insurance for all types of cars combined is approximately $1,600 per year with the lowest average at $1,112 for the Honda Odyssey minivan. Minivans have the most safety features and have been awarded a 5 star crash rating. These cars also are less expensive to repair as they have minimal luxury features.

The averages are calculated with a Florida auto insurance policy of 100/300/50 for injury liability, total injuries and property damage based on one person age 40 who drives 12 miles a day to work among 2,800 auto models. Florida is the 5th most expensive state to insure a car.

The most expensive auto insurance is for luxury sports cars. The Mercedes S65 AMG convertible which costs close to a quarter million dollars is the most expensive car, is built for high end speed and thus the insurance for this automobile is more expensive than any other car. The Dodge Viper comes in at a close second and the Audi R8, Nissan GT-R which have over 500 horsepower are right behind those as the most expensive cars to insure mostly because they are very expensive to repair and replace.

Another fact that determines the insurance premium is the drivers projected habits. Insurance companies figure that people who drive a family type automobile will be more cautious when driving vs. a sports car where speed is a priority to the driver and the assumption made is that driver will go well beyond the speed limit and in turn assumes more risk.

Another point to remember is some metropolitan areas such as Miami and a higher risk pool of drivers and some insurance companies refrain from offering quotes in those areas. And if they do offer quotes there may be a surcharge to accept the risk associated with insuring cars in the surrounding zip codes.

Broward County is less risky than Miami and when you go further North in South Florida to Palm Beach County the risk drops again. Allstate offers a 30% discount for the first two years of a brand new car, 10% discount for anti-lock brakes, 10% discount for anti-theft devices, and accident forgiveness for drivers with a clean record who had their first accident. Use our online auto insurance calculator to find out what your low rate will be. We always work to sell you the bst coverage at the lowest price because of our diligent agents and brokers who work hard to make it happen for you.

There are many insurance companies that offer different discounts and incentives so talk to your Blue Sky representative in Boca Raton for car insurance rates and coverages so we can shop for the best policy for your specific type and model vehicle. You can learn more about shopping for auto insurance and also how to lower your insurance rates in our FAQ section.