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Lakeland Car Insurance

Your Lakeland car insurance quotes will depend on a number of factors. One of the biggest things that will impact your ratings is the car you need to insure. All vehicles are ranked between 1 and 20. The higher the category is, the higher the rates will be. When looking into your Lakeland vehicle insurance, make sure you consider how your car of choice will be reflected onto your policy.

Insurance Rates by Vehicle

The Insurance Institute of Highway Safety is the governing body for United States vehicle coverage. They rank vehicles as good, acceptable marginal or poor based on several factors including the age of the vehicle and the safety and security ratings. Additional factors include crash test results, collision costs and parts replacement and repair costs, theft ratings, crash tests and rollover evaluations. How your car ranks will directly impact your Lakeland car insurance. Every year the Institute publishes a list of the Top Safety Picks which helps drivers determine how safe their vehicle is. A car that makes it onto this list will usually come with lower coverage rates than the ones that do not. Keep in mind, however, that there is more to your Lakeland car insurance rate than just your vehicle of choice, which will be discussed later on.

So what cars make it onto the prestigious ‘top safety list’? Some of the recent winners in the car category include the Buick LaCrosse, the Lincoln MKS, the Volvo S80, the Chevrolet Cruze, the Honda Civic four door model and the Ford Fiesta. Minivans that make the list include the Honda Odyssey and the Toyota Sienna while SUV’s that make the grade include the GMC Arcadia, the Jeep Patriot, the Honda Element, the Kia Sportage and the Subaru Forester to name a few.

When you are comparing your Lakeland auto insurance it is important to think about the performance level of your car. Larger vehicles tend to come with lower ratings as they tend to handle crashes better than smaller cars. Convertibles will usually be more expensive to insure than minivans. High speed and high performances models are also more dangerous on the road and thus also more expensive in terms of Florida auto coverage in Lakeland, FL.

Auto Coverage Factors Lakeland

In addition to the type of vehicle you drive there are several other factors that will determine how much you are spending on your car insurance in Lakeland, FL. One of these things is your age. Young drivers can expect much higher premiums than experienced and mature drivers while drivers over the age of 55 can expect the best rates. Full coverage car insurance companies base their rates on your risk level and as a new driver, you come with a lot of risks. Young drivers, statistically speaking, tend to have the most accidents on the roads and also do not have the experience of their older driver counterparts.

In addition to age, gender, marital status and even your zip code in Lakeland, FL will also impact your Lakeland car insurance premium. Every company is different and the amount of emphasis they put on each factor will differ. This is why it is so critical to shop around and compare auto coverage policies as well as providers before accepting the first premium offered to you.

Choosing your Coverage

Another thing that will impact your Lakeland automobile insurance is the amount of coverage you choose to purchase. All drivers in Florida need property damage liability and personal injury protection as part of the insurance minimum requirement; however, most drivers will also look into additional coverage options on top of this. In fact, 77 percent of drivers will purchase comprehensive coverage in addition to the basic requirements while 72 percent will also purchase collision coverage[1]. Make sure you think about more than just the price when looking for your Lakeland car insurance. It might be tempting to go with a basic coverage policy as it will most certainly be the cheapest but you are taking a big risk in doing so.

Finding the best Lakeland car insurance for your needs is relatively simple, regardless of your age, gender, time spent driving the Florida roads or zip code in Lakeland. Simply fill in your details online and let our search engine do the work for you. You will have instant access to multiple providers across Lakeland as well as across Florida and the United States. Choose a small town company or a national provider; choose a basic coverage policy or a full coverage plan; choose a high deductible or a low deductible – when you shop online, you will not only save a bundle of your coverage but you are in control of your own car insurance destiny.

[1] 07/04/2011


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