9 Ways You Can Buy Car Insurance for Less in Haverhill Florida

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, there are lots of people in the same boat. There is such a variety of to pick from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes at least once a year since rates are constantly changing. Just because you found the best price six months ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate how to use online quotes to get good coverage at a lower rate.

How much can you save with these nine discounts?

Car insurance is not cheap, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but a few need to be requested specifically in order for you to get them. If you're not getting every credit possible, you're paying more than you need to.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with certain companies.
Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.
E-sign - Certain companies may give you up to $50 for buying your policy over the internet.
Senior Citizens - Mature drivers may be able to get a discount up to 10%.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of providers who offer car insurance discounts in Florida, click this link.

How to Compare Haverhill Car Insurance Costs

Effectively comparing car insurance prices can be challenging if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Haverhill, or you could save time and use the internet to get prices fast.

Many insurance companies participate in a marketplace that allows shoppers to submit one quote, and every company can give them a price. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one downside to using this type of form is buyers cannot specifically choose which carriers you want to price. So if you want to select specific providers to request quotes from, we put together a list of car insurance companies in Florida. Click to view list.

It doesn't matter which method you choose, just compare identical quote information for every company. If you compare mixed coverages it will be impossible to decipher which rate is best in Haverhill.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Florida can't get away from ads that promise big savings from companies such as Allstate and Progressive. All the ads make the same claim about savings after switching your policy.

How does each company claim to save you money?

All companies are able to cherry pick for the right customer that is profitable for them. For example, a preferred risk might be between the ages of 40 and 55, has no tickets, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will be charged more money which leads to the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully state the savings.

That is why drivers must compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

And the best car insurance company is...

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheaper car insurance can be sourced both online in addition to many Haverhill insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional information can be found on the website for the Florida Office of Insurance Regulation located here. Visitors are able to read consumer alerts, discover disciplinary actions, get help finding coverage, and view agent and company licensing information.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Haverhill agent directory.