How to Know You're Spending Too Much for Auto Insurance in Davenport

Paying for high-priced auto insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a great way to help make ends meet. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage on a regular basis because prices are constantly changing. If you had the best rates a year ago you may be paying too much now. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Which Auto Insurance is Cheapest in Davenport, Florida?

Getting better auto insurance pricing can be surprisingly simple. Just take the time comparing rates provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for repetitive form submissions for every auto insurance company. One form submission will return price quotes from multiple companies.

A more difficult way to compare rate quotes consists of visiting each company's website and request a quote. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Davenport, click here.

Whichever method you choose, ensure you are comparing exactly the same deductibles and coverage limits with every price quote. If you compare different values for each quote it's not possible to find the best deal in Davenport.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

Older drivers save more - More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teen drivers tend to be more careless when driving and because of this, their auto insurance rates are much higher.
Having a spouse can save you money - Getting married actually saves money on auto insurance. It usually means you are more responsible and it's proven that married drivers get in fewer accidents.
Frequent auto insurance claims increase rates - Car insurance companies in Florida generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.
Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
Liability coverage is cheap - The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
High crash test scores lower rates - Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.

Take advantage of discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings. If you aren't receiving every discount you deserve, you're just leaving money on the table.

College Student - Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
Own a Home - Owning a house in Davenport can save you money because of the fact that having a home demonstrates responsibility.
Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
Pay Upfront and Save - By paying your policy upfront rather than paying monthly you could save 5% or more.
Club Memberships - Participating in a civic or occupational organization may earn a discount on auto insurance.
Military Discounts - Being deployed with a military unit can result in better rates.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

For a list of companies with the best auto insurance discounts in Davenport, click here.

Additional information can be read on the website for the Florida Office of Insurance Regulation located here. Florida consumers can read enforcement actions against agents and companies, get help finding coverage, download brochures, and view a list of available companies.

In the end, you save

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to purchase plenty of coverage at a price you can afford.

Cheaper auto insurance is possible online in addition to many Davenport insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.