7 Discounts Geneva Drivers Forget when Quoting Car Insurance

Nobody enjoys paying for car insurance, particularly when the cost is too high.

With consumers having so many companies and agents to choose from, it can be impossible to pick the lowest price insurer.

Finding Car Insurance in Geneva, FL

Most companies allow you to get coverage price quotes on the web. Getting quotes doesn't take a lot of time as you simply type in your coverage preferences into the quote form. When the form is submitted, the system will obtain your credit score and driving record and gives you a price quote based on these and other factors. This makes it a lot easier to compare rates but the process of having to visit multiple sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to find a lower rate.

There is a better way!

A quicker way to get multiple rate quotes is to use a quote form to obtain quotes from multiple companies. It's a real time-saver, reduces the work, and makes price shopping online much easier to do. As soon as the form is sent, it is rated and you are able to buy any or none of the quotes returned. If you find a better price you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you complete the form with as shown on your current policy. This ensures you will get a rate comparison for similar insurance coverage.

More discounts equal less premium

Companies don't necessarily list every discount very well, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Military Discounts - Being on active duty in the military can result in better rates.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
Save with a New Car - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Memberships - Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance.

Keep in mind that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, it just doesn't work that way.

To see a list of insurance companies with the best car insurance discounts in Florida, click here to view.

It's not one size fits all

When choosing coverage for your vehicles, there really is no "best" method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you will benefit from professional help.

Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Should I buy only the required Florida minimum liability coverage?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
Are rental cars covered under my policy?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

For more Florida car insurance information

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Visitors are able to download brochures, read consumer alerts, find disaster information, and file complaints about a company.

Additional helpful sites include this online resource for car insurance quotes in Florida and this list of insurance agents in Geneva.