Finding the Cheapest Avon Park Auto Insurance

Nobody looks forward to paying for auto insurance, in particular when they are paying too much.

Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to do rate comparisons occasionally because insurance rates are constantly changing. Just because you found the best deal two years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you're about to learn the only way to remove unneeded coverages and save money.

If you are paying for car insurance now, you will most likely be able to save some money using these methods. Buying car insurance in Avon Park is easy if you know what you're doing. But Florida drivers do need to know how insurance companies sell online and take advantage of how the system works.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Some discounts apply automatically at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.

Accident Forgiveness - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Memberships - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
Safety Course Discount - Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
Accident Free - Good drivers with no accidents can earn big discounts as compared to bad drivers.
Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

To see a list of companies with discount auto insurance rates in Avon Park, click here to view.

Finding Auto Insurance Deals in Avon Park, FL

There are several ways of comparing rate quotes from different Avon Park insurance companies. The best method to find competitive insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

The best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating multiple quote forms to each individual auto insurance company. A single form gets you price quotes from multiple low-cost companies.
A less efficient way to compare rate quotes requires a trip to each individual company website to complete a price quote. For sake of this example, let's assume you want to compare , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is quicker. To view a list of companies in Avon Park, click here.
The least recommended method of getting rate comparisons is to drive around to local Avon Park insurance agencies. The internet has reduced the need for local agents unless you want the personal advice only provided by licensed Avon Park agents. However, consumers can obtain prices from the web and still use a local agent.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same quote information for every company. If you enter mixed coverages then you won't be able to decipher which rate is best in Avon Park. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes will increase your chances of finding a better price.

Why some people pay less for insurance in Avon Park

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

Males pay more for insurance - Statistics show women are more cautious behind the wheel. Now that doesn't mean women are better drivers. They both tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
Multi-policy discounts can save money - Some insurers will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it's still a good idea to compare rates to make sure you are getting the best deal.
Don't sacrifice liability coverage - Your policy's liability coverage is the coverage that protects you if ever a court rules you are at fault for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Lower rates with optional equipment - Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that These are some specific questions might point out whether your personal situation may require specific advice.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Am I getting all the discounts available?
Is rental equipment covered for theft or damage?
Do I really need UM/UIM coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my nanny covered when driving my vehicle?

If you're not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to make an identical promise that you'll save big if you change to them. How can each company make almost identical claims? It's all in the numbers.

All the different companies have a certain "appetite" for the type of driver that is profitable for them. An example of a desirable insured could possibly be over the age of 50, owns a home, and chooses high deductibles. A driver who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save money. That is how companies can state the savings.

Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict which company will give you the biggest savings.

Do the work, save more money

Budget-conscious auto insurance can be sourced online and with local Avon Park insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price.

For more Florida car insurance information

Much more information about auto insurance in Florida is available on the website for the Florida Office of Insurance Regulation found here. Florida consumers can learn about insurance regulations, read consumer alerts, find out which companies have the most complaints, and view a list of available companies.