Top 6 Ways You Can Buy Car Insurance for Less in Florence Oregon

Comparison shopping for Florence car insurance is a challenge for beginners to comparing rates online. You have so many options available that it can turn into a real hassle to find lower rates in Florence.

How to Compare Car Insurance Costs in Florence

Cutting your Florence car insurance rates is actually quite simple. Consumers just need to take time comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

The recommended way to get quotes is a comparison rater form click to view form in new window. This method saves time by eliminating separate quotes for each company. Taking the time to complete one form gets you price quotes instantly. It's the fastest way to compare.
A different way to shop for car insurance online requires visiting each individual company website to complete a price quote. For examples sake, we'll assume you want rates from , and . You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in Florence, click here.
The least efficient way to get comparison rates is driving to different Florence agent offices. The internet has reduced the need for local agents unless you want the trained guidance of a licensed agent. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

Which method you use is up to you, but double check that you are using exactly the same quote information with each company. If you use mixed coverages you can't possibly make an equal comparison in Florence.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If you aren't receiving every discount available, you're paying more than you need to.

Memberships - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
Payment Method - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Homeowners Pay Less - Owning a home in Florence may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Military Rewards - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of insurers who offer car insurance discounts in Florence, follow this link.

Additional information can be found on the Oregon Insurance Division website found here. Consumers can find out which companies have the most complaints, view a list of available companies, and get help finding coverage.