Tightwads Tips for Saving on Altamonte Spgs Auto Insurance

No one in their right mind cherishes buying auto insurance, especially knowing the cost is too high.

There is such a variety of to buy insurance from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

Vehicle Insurance Comparison

The are a couple different ways of comparing rate quotes from different Altamonte Spgs insurance companies. The best method to find the lowest rates is to get quotes online. This can be done in a couple of different ways.

  • The recommended way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate forms for each company you want a rate for. Just one form gets rate comparisons from several companies.
  • A less efficient way to shop for auto insurance online is spending the time to visit each individual company website and request a quote. For instance, let's assume you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in Altamonte Spgs, click here.

Whichever way you use, be sure to compare identical information with every price quote. If you use higher or lower deductibles it's impossible to find the best deal in Altamonte Spgs. Just a small difference in limits could mean much higher rates. Keep in mind that having more price comparisons helps locate the best price.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always advertise all available discounts very clearly, so the following is a list of some of the best known as well as the least known auto insurance savings.

  • Homeowners Savings - Owning a home in Altamonte Spgs may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
  • Drivers Education - Have your child enroll in driver's education if it's offered in school.
  • Driver Safety - Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurers who offer auto insurance discounts in Florida, follow this link.

Insurance agents can help

When choosing coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • When do I need to add a new car to my policy?
  • Should I buy only the required Florida minimum liability coverage?
  • What are the financial responsibility laws in Florida?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?
  • What companies insure drivers after a DUI or DWI?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Additional Florida consumer information

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Florida drivers can report car insurance fraud, file complaints about a company, file complaints about an insurance agent or broker, and get help finding coverage.