Consumer Tested Strategies to Save on Cape Coral Car Insurance

Tired of trying to scrape together enough money each month for car insurance? You are in the same boat as most other car owners in Florida. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you are insured now or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Finding the best rates in Cape Coral is easy if you know what you're doing. Florida vehicle owners just need to know the most effective way to buy car insurance online.

car insurance in Cape Coral

Are you getting all your discounts?

Car insurance companies don't always advertise all available discounts in a way that's easy to find, so we researched some of the more common and the more hidden discounts you could be receiving. If you aren't receiving every discount available, you're just leaving money on the table.

  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • No Accidents - Claim-free drivers pay much less when compared with frequent claim filers.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • One Accident Forgiven - A handful of insurance companies permit an accident without raising rates so long as you haven't had any claims prior to the accident.
  • Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with a substantially lower rate.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it's possible to get free car insurance, companies don't profit that way.

For a list of insurers with the best car insurance discounts in Cape Coral, click here.

Comparison of Car Insurance in Cape Coral

Most major insurance companies give coverage prices online. The process is pretty painless as you just enter as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and provides a quote. Online quotes helps simplify price comparisons, but the work required to visit each company's website and repetitively fill out multiple forms can be a bit repetitive. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

The easy way to compare rates

A more efficient way to lower your car insurance bill utilizes a single form that gets prices from multiple companies. The form is fast, reduces the work, and makes online quotes much easier. After your information is entered, your coverage is rated and you are able to buy your choice of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and may result in a nice savings.

If you want to find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you enter your coverages identical to your current policy. This helps ensure you will have comparison quotes based on identical coverages.

Best coverage at the best price

Discount car insurance is definitely available from both online companies and also from your neighborhood Cape Coral agents, and you need to price shop both so you have a total pricing picture. Some companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

We just showed you a lot of techniques to get a better price on car insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the best price on car insurance is with a company that doesn't do a lot of advertising. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as .