Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many people just like you.
Consumers have many auto insurance companies to pick from, and although it’s a good thing to be able to choose, it can be more challenging to compare rates.
It is always a good idea to take a look at other company’s rates quite often since insurance rates are constantly changing. If you had the lowest rates a year ago you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because you’re going to learn the tricks you need to know to save on auto insurance.
It’s important that you understand the rating factors that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.
Most companies like 21st Century, Allstate and State Farm quote insurance quotes directly from their websites. Getting quotes is pretty easy as you simply enter your coverage information as detailed in the form. When the form is submitted, the system automatically retrieves your driving record and credit report and gives you a price quote. Quoting online makes comparing rates easy, but the work required to visit many different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find a lower rate.
Quote rates the easy way
The easiest way to get multiple rate quotes requires only one form that gets price quotes from a lot of companies. This type of form saves time, requires less work, and makes online shopping much simpler. Immediately after submitting the form, it is rated and you can choose any of the quotes that you receive.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and you’ll know if lower rates are available.
To find out how much you’re overpaying now, click here and enter your information. If you currently have coverage, we recommend you type in exactly as shown on your declarations page. Doing this assures you are getting an apples-to-apples comparison using the exact same coverages.
The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for before being credited.
A little note about advertised discounts, some credits don’t apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.
Additional information is available on the website for the Florida Office of Insurance Regulation located here. Florida consumers can file complaints about an insurance agent or broker, find a variety of consumer forms, get help finding coverage, and read enforcement actions against agents and companies.
When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.
We just covered many ways to shop for auto insurance online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the best price on auto insurance is with a smaller regional carrier. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.
Affordable auto insurance can be purchased online and also from your neighborhood Deltona agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.