How to Get Cheap Brandon Auto Insurance

Cutting costs on Brandon auto insurance is hard for people who are new to comparing rates online. You have so many companies to choose from that it can quickly become a ton of work to find lower rates in Brandon.

Cheap Brandon Auto Insurance Comparisons

Shopping for lower auto insurance rates can be challenging if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in Brandon, or you could save time and use online quotes to quickly compare rates.

All the larger companies take part in a program that allows shoppers to complete one form, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The single downside to comparing rates this way is that consumers can't choose which companies you want pricing from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of auto insurance companies in Florida. View list of Florida insurance companies.

It doesn't matter which method you choose, just ensure you're using identical deductibles and coverage limits on every quote you get. If you enter different values for each quote it will be impossible to determine which rate is truly the best in Brandon. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate better pricing.

Why some people pay less for insurance in Brandon

It's important that you understand the rating factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Liability insurance protects assets - The liability section of your policy will protect you if you are found liable for damages from an accident. It provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Rates may be lower depending on your job - Occupations such as judges, executives and financial analysts tend to pay higher average rates because of high stress and long work days. Conversely, occupations like farmers, engineers and the unemployed have the lowest average rates.
Lower rates with optional equipment - Driving a car with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
Older drivers save more - Youthful drivers in Florida tend to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
Sex matters - The statistics show that women are safer drivers than men. However, don't assume that women are better drivers. Both sexes have accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DUI and reckless driving.
One company can mean more discounts - The majority of auto insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to shop around to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.
Your credit rating is important - A driver's credit rating is a important factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for vanishing deductibles, accidental death and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but if you don't need them eliminate them to save money.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. A few discounts will automatically apply when you quote, but a few must be asked about before you get the savings.

Club Memberships - Being a member of a qualifying organization could trigger savings when buying auto insurance.
Accident Free - Claim-free drivers pay much less when compared with frequent claim filers.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
Student in College - Any of your kids who are attending college without a vehicle on campus can receive lower rates.
One Accident Forgiven - Certain companies will forgive one accident without raising rates so long as you haven't had any claims for a set time period.

It's important to note that many deductions do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of insurers with the best auto insurance discounts in Florida, click this link.

More information is located on the Florida Office of Insurance Regulation website located here. Visitors are able to find out which companies have the most complaints, read industry bulletins, and view a list of available companies.

Final considerations

Lower-priced auto insurance is possible both online and with local Brandon insurance agents, so compare prices from both to have the best selection. Some auto insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, high rates after DUI convictions, unfair underwriting practices and not issuing a premium refund. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced collision coverage and learned later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.