Finding lower rates for Clearwater car insurance is always difficult for beginners to comparison shopping online. You have so many companies to choose from that it can easily become a lot of work to locate the lowest price in Clearwater.
Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be requested specifically before being credited. If they aren’t giving you every credit available, you’re paying more than you need to.
Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce your overall premium however.
It’s important that you understand the different types of things that help determine car insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with big savings.
The following are a few of the “ingredients” that factor into rates.
Some people would prefer to talk to a local agent and that is just fine! Insurance agents are trained to spot inefficiencies and help you file claims. The biggest benefit of comparing insurance prices online is you can get lower rates but still work with a licensed agent. Buying from local agencies is important particularly in Clearwater.
To find an agent, once you fill out this short form, your coverage information is sent to insurance agents in Clearwater who will give you bids to get your business. You never need to visit any agencies due to the fact that quote results will go to your email. How’s that for easy!
When searching for a good Clearwater insurance agent, there are a couple of different agency structures that you can select. Insurance agencies in Clearwater can either be captive or independent. Either one can properly insure your vehicles, but it’s good to learn how they are different because it can influence the type of agent you choose
Independent agents are not locked into one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.
When searching for an agent, it’s a good idea to include at a minimum one independent agency to get the best comparison.Most can insure with lesser-known insurance companies which can be an advantage.
Below are independent insurance agencies in Clearwater that are able to give price quote information.
Captive insurance agents write business for a single company such as Allstate, AAA, Liberty Mutual and State Farm. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. They receive extensive training on the products they sell which can be an advantage. Consumers often purchase coverage from captives primarily because of loyalty to the company and solid financial strength.
The following is a short list of captive agencies in Clearwater that can give you rate quotes.
To view a complete directory of car insurance agents in Clearwater, please click here.
Selecting an auto insurance agent needs to be determined by more than just the price. Any agent should have no problem answering these questions:
Once you have received answers to your satisfaction to all your questions and locked in a price quote, chances are good that you have found an auto insurance agent that will provide car insurance coverage.
Consumers in Florida can’t get away from ads for cheaper car insurance by Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you move to their company.
But how can every company claim to save you money?
Insurance companies are able to cherry pick for the right customer they prefer to insure. For example, a preferred risk could be between 30 and 50, has no driving citations, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save when switching.
Potential customers who do not match these standards will have to pay a higher premium and ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully state the savings.
Because of the profiling, you should get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest rates.
Additional information is available on the Florida Office of Insurance Regulation website through this link. Florida drivers can find out industry alerts, view agent and company licensing information, discover disciplinary actions, and download brochures.
The following articles may also be useful.
Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers and even denial of a claim. It doesn’t matter why you want to switch finding a new company is easier than you think.
When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage and learned later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.
You just learned many tips how you can lower your car insurance rates. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the biggest savings come from a small mutual company.