Car Insurance in Florida City - 5 Discounts to Save Money

Price shopping your Florida City car insurance is a challenge for consumers new to comparing rates online. People have so many choices that it can be a challenge to find lower rates in Florida City.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you got the best price a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because you're about to find out the tricks you need to know to buy cheaper car insurance.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Pricing affordable protection in Florida City is quite easy. But Florida car owners do need to know how insurance companies price insurance differently and apply this information to your search.

These 5 discounts can lower your rates

Car insurance companies don't always list all their discounts in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • New Car Discount - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Theft Prevention Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags - Factory air bags can qualify for discounts of more than 20%.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

Florida car insurance quotes

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to have a common claim that you'll save big after switching to them. How can each company make the same claim? This is how they do it.

Insurance companies can use profiling for the type of driver that earns them a profit. For example, a desirable insured could be over the age of 50, has no tickets, and has excellent credit. Any new insured that hits that "sweet spot" gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay higher prices and this can result in business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That's why companies can make those claims. Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

More Florida car insurance information

More detailed Florida car insurance information can be found at the Florida Office of Insurance Regulation website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and find out industry alerts.

compare Florida City car insurance rates

Affordable insurance is out there

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. In many instances, an insured dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest price.

Drivers change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, policy cancellation and even poor customer service. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

You just learned a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. You may even find the biggest savings come from a lesser-known regional company.