Buy the Cheapest Clearwater Auto Insurance

Having to pay for overpriced auto insurance can dwindle your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to cut your insurance bill. Popular companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to shop coverage around on a regular basis since insurance rates are constantly changing. Despite the fact that you may have had the best price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to find out one of the best ways to properly buy coverages while reducing your premium.

If you have a current auto insurance policy or need a new policy, you can use these techniques to find the best rates while maximizing coverage. Buying car insurance in Clearwater is quite easy. Florida drivers only need an understanding of the most effective way to get comparison rates over the internet.

Auto Insurance Prices in Clearwater, Florida

Getting better auto insurance pricing is surprisingly easy. You just have to invest a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to find low rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form entry for each company you want a rate for. One form submission will get you rate comparisons direct from many companies.

A harder way to get quotes online requires you to visit each company's website to complete a price quote. For instance, we'll assume you want comparison quotes from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in Clearwater, click here.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverage information for every company. If you use unequal deductibles or liability limits you can't possibly decipher which rate is best in Clearwater.

Clearwater auto insurance comparison

Tips to Get Lower Clearwater Rates

It's important that you understand the rating factors that help determine auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" used by your company to calculate rates.

  • Older drivers save more - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
  • Being married can save on auto insurance - Having a spouse can get you a discount on your auto insurance policy. It translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
  • Claim-free discounts can add up - Car insurance companies in Florida give cheaper rates to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, executives and dentists have the highest average rates due to job stress and long work days. Other professions such as pilots, historians and performers get better rates.
  • Extra coverages can waste money - There are a ton of add-on coverages that you can buy if you aren't careful. Insurance for roadside assistance, towing coverage and additional equipment coverage may be wasting your money. They may seem good initially, but now you might not need them so eliminate the coverages to reduce your premium.

Save big with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but less common discounts must be manually applied in order for you to get them. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Sign Online - A few companies give back up to $50 simply for signing digitally online.
  • Senior Discount - Older drivers may be able to get a small decrease in premiums.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course if it's offered in school.
  • Claim Free - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
  • Driver Safety - Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Own a Home - Owning a house in Clearwater may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce your overall premium however.

For a list of companies who offer auto insurance discounts in Clearwater, click this link.

Additional auto insurance information can be found on the website for the Florida Office of Insurance Regulation found here. Florida drivers can read enforcement actions against agents and companies, get help finding coverage, learn about insurance regulations, and download brochures.

A tidy conclusion

As you shop your coverage around, it's not a good idea to reduce needed coverages to save money. There are many occasions where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best price.

Cost effective auto insurance can be bought on the web as well as from independent agents in Clearwater, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don't offer online quoting and most of the time these regional insurance providers sell through independent agents.