Which Company Has the Lowest Cost of Car Insurance in Davie?

Davie is its own city, but it’s also close to the larger city of Fort Lauderdale. The 2019 estimated population was around 106,300. Between 2014 and 2018, the average travel time for commuters in minutes was 27.8, which is a bit higher than the national average. This was for workers aged 16 through retirement.

Davie is put into one statistical grouping with West Palm Beach, Miami, and Fort Lauderdale for theft statistics. In 2018, 20,045 auto thefts took place; this averaged out to a rate of 323.37 per 100,000 vehicles and a rank of #72 in the nation. That’s a pretty high ranking and likely affects the cost of insurance in the area, as insurance companies focus on risks when deciding on premiums for their customers.

No matter the cost, you have to have auto insurance. That’s law in Florida as well as most other states. Despite its cost to your budget, if you don’t maintain auto insurance, your insurance provider may notify the Department of Motor Vehicles, which may suspend your registration until you buy a new policy.

Because you live fairly close to Miami, your annual insurance premium may be high. You can shop around and check the availability of annual premiums they’ll offer you based on your driving habits, how many miles you put on your vehicle in a year, history of traffic tickets or accidents, and even your credit record.

How Much Auto Insurance Coverage is Needed for Davie Drivers?

You can always choose to get more than just the state-mandated minimum coverage. It’ll cost you more, but you’ll end up paying less should you get into a bad accident. For instance, if the driver who hits you is underinsured, you may end up having to cover the cost that their insurance doesn’t. This is why many drivers go beyond buying the state minimum. You can choose from liability, collision, or comprehensive coverage.

Minimum liability insurance in Florida covers $10,000 of coverage for a single person injured in an accident, $20,000 of coverage for multiple people injured in an accident, and $10,000 of coverage for property damage caused in an accident. If you buy just the minimum, it may not cover all expenses resulting from an accident for which you were responsible, nor will it protect you if an underinsured motorist causes an accident and cannot cover all of your losses.

Comprehensive insurance not only protects you in those cases but also covers events not related to vehicular accidents. Tree limbs snapping loose, a fence falling onto your car, hail or wind damage can all be covered by these policies. This also adds to your overall expense, but it may be better than finding out that your current coverage is several thousand dollars short of the damage done to your vehicle, or that it never would have covered the damage caused in a catastrophic storm at all.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Davie by Insurer

“Cheap” to you may not be the same to the insurance company you choose. Also, it’s not a good idea to buy the least expensive insurance premium with an unfounded belief that it’ll cover any potential event that you or your vehicle may experience. If you would have trouble making one large payment to cover your entire premium, you may be able to break this down into 12 smaller payments, one per month. Check with any insurance company you’re considering and see if this is something you can do; just make sure your car is fully covered.

Use this guide to compare the best auto insurance premiums by company.

Low Cost Auto Insurance for Bad Credit in Davie

When you look at annual premiums for drivers with bad credit scores, you’ll likely see that they are more costly than those for people with good credit. This is because insurers are trying to protect themselves from risk, and credit is one of the things they use to determine risk. However, there are still insurers who don’t weight the ‘risk’ of poor credit as much as others, and you can still get insurance even if you don’t have the most stellar credit score.

Find out the which auto insurance company has the lowest rates for poor credit drivers.

Full Coverage Vs. Liability, Which is Best For You?

What is Liability-Only?

Liability insurance covers the possible cost of damage you cause to others while driving. This could mean the cost of medical care for those injured in an accident or repair costs of the damage you have caused to other vehicles.

With liability insurance, there are 3 key numbers: injury coverage per person, coverage for total injury per accident, and property damage coverage per accident. Each state has different requirements for car insurance minimums. In a policy that has coverage for 15/30/25 means $15,000 per injured person, with a maximum of $30,000 for all the people who are injured in an accident, and $25,000 in coverage for property damage.

What does Full Coverage Insurance Cover?

While liability insurance covers other people and vehicles in an accident where you were the one considered at fault, full coverage insurance can also cover you and your vehicle as well. Full coverage includes two different types of coverage combined into one insurance plan; comprehensive insurance and collision.

Comprehensive coverage is for the damage of other vehicles that are outside of driving situations such as weather damage, fire, or theft.

Collision coverage is basically to pay for damage that you caused while driving such as an accident with another vehicle, hitting an object, or driving off the road.

The difference between collision and comprehensive is, if a tree were to fall on your car and damage it, comprehensive insurance would cover it, however, if you were driving and hit a tree causing damage to your car, then it would be covered by collision.

What You Need to Know About the Differences Between the Car Insurance Types

Liability and Full coverage policies have many distinctions but the chief one is that under a liability policy your car is not covered. If you are in an accident and are found at-fault, your liability policy will cover the other driver and her passengers. A full coverage policy, on the other hand, covers damage done to your car as a result of a wide range of accidents, even if you are at-fault. These policies also differ when it comes to premium payments.

Average Annual Car Insurance Rates in Florida by City

Additional cities in Florida you can check out.

Ways to Lower Your Insurance Premiums

There are many ways that you can save on auto insurance in Davie:

  • Avoid Accidents

    Each time you are at fault in an accident, your insurance company must pay out to cover your liability. Thus, your rates are definitely going to rise any time you cause an accident. The longer you are able to maintain a driving record clean of accidents, the more favorable your policy will be in the eyes of insurance companies.

  • Don’t Speed

    Insurance rates are set relative to the risk you pose as a driver. Since speeding is positively linked to accidents, and thus to insurance claims, your tickets will also result in higher insurance rates.

  • Shop Around

    Insurance is like any other business and so some will charge lower rates in order to gain more customers. Before you purchase a policy from the last company you saw on television, do some homework and determine which policy is the best for you, even if it’s not the least expensive.

  • Comprehensive Insurance Packages

    Typically, insurance companies insure multiple asset types. They write policies for homes, boats, renters, and they can also cover your health. If you package your automobile insurance with your home, boat, and health insurance, you will likely pay a bit less for your car insurance.

  • Multiple Vehicles

    If you have more than one car, combine them on the same policy. The more cars you add, the lower your rates will be on a per-car basis.

Learn more about car insurance discounts with this guide.

Reasons that Affect Your Automobile Insurance Rates in Davie

There are quite a few factors included in determining your cost for auto insurance such as:

  • Your location
  • Age
  • Number of violations you had in the past
  • Gender
  • Whether you are married or single
  • Your credit score
  • The plan you are seeking
  • The deductible
  • Daily miles you drive
  • The make, model, and year of the vehicle to be insured
  • Whether you live alone or with others
  • Your occupation

Use our guide to compare car insurance rates with tickets.

Helpful Davie, Florida Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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