Lower Online Bartow Car Insurance Prices With These Methods

People who are new to buying insurance online might discover shopping for affordable Bartow car insurance nearly impossible.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Certain discounts will be applied at quote time, but a few need to be asked for in order for you to get them.

  • Service Members Pay Less - Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Air Bag Discount - Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Anti-theft System - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Savings - Simply owning a home can save you money because owning a home is proof that your finances are in order.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky. Any amount of discount will reduce your premiums.

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Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

  • Am I covered when pulling a rental trailer?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

The car insurance bait and switch

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all have a common claim about savings if you switch to their company. How can each company make the same claim?

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, owns a home, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be quoted more money and this can result in business going elsewhere. The ads say "people who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the savings.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Additional information can be found on the Florida Office of Insurance Regulation website through this link. Consumers can view a list of available companies, find out industry alerts, and download brochures.

Bartow car insurance quote

Affordable insurance is out there

Drivers switch companies for many reasons like unfair underwriting practices, policy cancellation, poor customer service and even extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider is less work than it seems.

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

You just learned a lot of ways to reduce car insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from an unexpected company.