6 Tricks to Save on Car Insurance in Auburndale

Are you intimidated by the crazy number of car insurance options in Auburndale? You're not the only one! People have so many options that it can turn into a ton of work to find lower rates.

It's important to compare prices every six months since rates are constantly changing. Despite the fact that you may have had the best price a year ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you're about to learn one of the best ways to find the best coverage while lowering your premiums.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically when you quote, but less common discounts must be specifically requested prior to getting the savings.

  • Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • New Car Discount - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Sign Online - Some insurance companies will give a small break for buying your policy online.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

Florida car insurance quotes

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to have a common claim about savings after switching your coverage to them. But how can every company make the same claim? This is how they do it.

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could be over the age of 50, has no driving citations, and has excellent credit. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a higher premium and this can result in business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully make those claims.

Because of the profiling, drivers should quote coverage with many companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Additional information can be found on the Florida Office of Insurance Regulation website. Click here for link. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, and read enforcement actions against agents and companies.

Also read more on Auto Insurance 101 and this page where you can research Auburndale insurance agents.

Final considerations

While you're price shopping online, don't be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price.

Cheap car insurance can be bought from both online companies as well as from independent agents in Auburndale, and you should be comparing both to have the best rate selection. Some companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

You just learned a lot of ways to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a smaller regional carrier.