6 Ways to Save on Car Insurance in Holiday

Beginners to buying insurance online will discover finding cheap Holiday car insurance to be a formidable task.

It's important to do rate comparisons occasionally since rates are constantly changing. Despite the fact that you may have had the best price on your last policy there may be better deals available now. Ignore everything you know about car insurance because we're going to demonstrate one of the best ways to eliminate unnecessary coverages and save money.

Holiday car insurance quote

Save big with these six discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Some trigger automatically when you quote, but less common discounts must be inquired about before you get the savings.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multi-policy Discount - When you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

For a list of providers who offer car insurance discounts in Florida, follow this link.

Automobile Insurance Quotes in Holiday, FL

There are several ways to compare rate quotes from different Holiday insurance companies. The recommended way to compare insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quote forms to each individual car insurance company. A single form will get you rate comparisons from many national carriers. It's definitely the quickest method.

A different way to get quotes online requires you to visit the website for each individual company to complete their respective quote request forms. For example, we'll assume you want to compare , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Holiday, click here.

Whichever way you use, make absolute certain that you use identical coverage information on every quote you get. If you have unequal deductibles or liability limits then you won't be able to determine which rate is truly the best in Holiday. Just a small difference in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps you find the best offered rates.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Every situation is different.

These are some specific questions might point out if your situation would benefit from an agent's advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Florida?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover a custom paint job?
  • When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, fill out this quick form.

Final considerations

When you buy insurance online, make sure you don't sacrifice coverage to reduce premiums. Too many times, an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Cheap car insurance can be bought from both online companies and with local Holiday insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

You just learned many ways to get a better price on car insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with some of the smallest insurance companies.