Pensacola drivers are among the luckiest in the United States. Commuting times there are the shortest in the nation. According to INRIX, the GPS-based traffic analysis organization, only five extra minutes are needed for a 20-minute trip in light traffic in the Greater Pensacola area. As well, there are no serious intersection problems or bad roads.
Then why then aren't insurance rates dirt cheap? You know the answer: Accidents still happen. Tourists still brake for bikinis. College students still wander drunk through the Seville quarter. Hurricanes still roll through every summer or two.
Of course, Pensacola car insurance rates don't compare with Miami's, but even a modest effort to shop around can save you hundreds of dollars. Prices vary by neighborhood, and in every ZIP code, one insurance carrier will give you a great deal and another will give you sticker shock. Click around the map below to see average rates and a range of rates from six national carriers.
"Florida's salty air does funny things to metal, whether it's dipped, sprayed or undercoated," says Henry Choate of the AAA. Even though cars' rust resistance has improved over the years, that's no reason to think vehicles never corrode or need related repair. There are ways to prevent rust: Rinse the car, wash or spray it underneath and repair dents and chips from small stones. Nonetheless, the car finish clearcoat is only two-thousandths of an inch thick, the color and primer twice that -- all that stands between your rocker panels and corrosion. Pensacola weather is mostly sunny and the air is always salty. Bottom line: Your car will rust if you let it.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.