Dunedin Auto Insurance For Less Than You're Paying Now

Comparing Dunedin auto insurance rates online can be difficult if you're new to online price comparisons. Don't let that stop you because using the internet to shop for auto insurance is actually quite easy.

auto insurance in Dunedin

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can take hours if you aren't aware of the fastest way to get free quotes. You can spend countless hours talking to local insurance agents in Dunedin, or you could save time and use online quoting to get the quickest rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit their information once, and at least one company provides a quote. This eliminates the need for form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is you don't know exactly the providers to get pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of auto insurance companies in Florida. View list of Florida insurance companies.

It doesn't matter which method you choose, just be sure to compare apples-to-apples deductibles and coverage limits on every quote. If you are comparing different values for each quote it's not possible to make a fair comparison in Dunedin.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply. If you don't get every credit you qualify for, you're paying more than you need to.

  • Defensive Driving Course - Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount depending on your company.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurers with the best auto insurance discounts in Florida, follow this link.

How do I know if I need professional advice?

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether or not you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Additional Florida consumer information

Additional information can be found on the Florida Office of Insurance Regulation website located here. Florida drivers can discover disciplinary actions, find out industry alerts, and view a list of available companies.

Additional helpful sites include this resource for Florida auto insurance prices and this link which helps you find a Dunedin agent.