Tightwads Tips for Saving on Fort Myers Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other Florida drivers.

Drivers have so many to buy insurance from, and although it's a good thing to have a choice, too many choices makes it more difficult to compare rates.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always list all available discounts very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Club Memberships - Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance.
  • Employee of Federal Government - Simply working for the federal government may qualify you for a discount depending on your company.
  • Student in College - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Pay Less - Owning a home in Fort Myers can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

For a list of insurers who offer auto insurance discounts in Florida, click here to view.

Cheap Fort Myers Auto Insurance Comparisons

The are a couple different ways of comparing rate quotes and find the best price. The recommended way to find the lowest rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quotation requests to each individual auto insurance company. In just a few minutes this one form will get you rate comparisons from auto insurance companies with the best prices.

A less efficient way to shop for auto insurance online requires you to visit each individual company website and fill out their own quote form. For instance, let's assume you want rates from , and . To find out each rate you need to go to every website and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Fort Myers, click here.

It's up to you which method you use, but ensure you're using identical coverage information for every quote you compare. If you are comparing unequal deductibles or liability limits it will be impossible to determine the best price in Fort Myers. Quoting even small variations in limits can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies helps locate the best offered rates.

The best insurance company isn't always the cheapest

Affordable auto insurance can be bought on the web as well as from independent agents in Fort Myers, so compare prices from both so you have a total pricing picture. A few companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage only to discover later that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.