Consumer Tested Strategies to Save on Fruitland Park Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are a lot of people in Fruitland Park just like you who feel imprisoned by their auto insurance policy.

Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.

Finding the best rates in Fruitland Park is easy if you know what you're doing. Just about every driver who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But Florida drivers do need to know how big insurance companies price online insurance.

auto insurance in Fruitland Park

Are you getting all your discounts?

Companies offering auto insurance don't always list all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.

  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for a substantially lower rate.
  • Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Save over 55 - Older drivers may qualify for better auto insurance rates.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Paperless Signup - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • No Charge for an Accident - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims for a certain period of time.
  • Seat Belt Usage - Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Auto/Home Discount - When you have multiple policies with one insurance company you may save 10% to 20% off each policy.

Drivers should understand that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies wouldn't make money that way.

For a list of insurers offering auto insurance discounts in Florida, click here.

Compare the Market for Auto Insurance in Fruitland Park

Most major insurance companies like 21st Century, Allstate and State Farm give coverage prices directly from their websites. This process is quite simple as you just enter the coverage amounts you desire as detailed in the form. Once entered, the company's rating system will obtain your driving and credit reports and quotes a price based on these factors. Being able to quote online helps simplify price comparisons, but having to visit several different sites and complete many quote forms gets old quite quickly. But it's very important to perform this step in order to get the best price on auto insurance.

The easy way to compare rates

A more efficient way to find better auto insurance pricing uses one form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison a lot less work. After sending your information, your coverage is rated and you can choose any one of the quotes that you receive. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate your coverages just like they are on your policy. This helps ensure you're receiving rate comparison quotes based on identical coverages.

Do the work, save more money

Budget-conscious auto insurance can be found online and also from your neighborhood Fruitland Park agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.