5 Methods to Save on Car Insurance in Chiefland, FL

Purchasing the most affordable Chiefland car insurance on the web can be somewhat difficult for consumers not familiar with shopping for insurance online. With so many choices of companies in the marketplace, how can consumers effectively compare every company to locate the cheapest available price?

Compare Car Insurance Today

All major car insurance companies such as 21st Century, Allstate and State Farm allow you to get price estimates on the web. Getting quotes is quite simple as you just enter your required coverages into the quote form. After the form is submitted, their rating system will obtain your driving and credit reports and returns a price quote determined by many factors.

Quoting online streamlines rate comparisons, but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this in order to find a lower rate.

The preferred way to compare car insurance pricing is to use a quote form that gets prices from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable. After sending your information, it is rated and you can select any of the resulting price quotes. If you find a better price you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you copy the coverage information exactly as shown on your declarations page. This makes sure you will receive a rate comparison for the exact same coverage.

More discounts equal less premium

Companies that sell car insurance don't always list all available discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

Driver Safety - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
Auto/Life Discount - Some companies give lower rates if you buy auto and life insurance together.
55 and Retired - If you're over the age of 55, you may be able to get a small decrease in premiums.
Multiple Vehicles - Having multiple vehicles with the same company can get a discount on all vehicles.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

It's important to note that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck.

To choose insurers who offer car insurance discounts in Chiefland, click this link.

Switch companies and save? Really?

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim that you can save after switching your coverage to them. How do they all make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer could be between the ages of 30 and 50, has no prior claims, and has great credit. Any new insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile must pay a more expensive rate which leads to business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the savings. This illustrates why you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

It's not one size fits all

When buying the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Should I have combined single limit or split liability limits?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Additional detailed information can be found at the Florida Office of Insurance Regulation website. Consumers can discover disciplinary actions, view agent and company licensing information, and read enforcement actions against agents and companies.

Do the work, save more money

Lower-priced car insurance can be bought from both online companies as well as from independent agents in Chiefland, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

You just learned some good ideas how to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies.