Free Guide to Saving Money on Homestead Car Insurance Online

I can't think of a single person who enjoys paying for car insurance, especially when the cost is way too high.

Since consumers have many companies to choose from, it is hard for the average consumer to choose the cheapest provider.

It's important to shop coverage around periodically because rates are constantly changing. Just because you found the best price six months ago there may be better deals available now. Ignore everything you know about car insurance because you're about to learn how to use online quotes to find great coverage at a great price.

Florida car insurance quotes

Take advantage of discounts

Companies offering auto insurance don't list all their discounts very well, so we took the time to find some of the more common and the more hidden car insurance savings.

  • Bundle and Save - When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Good Student - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Accident Forgiveness - Some insurance companies permit an accident without raising rates as long as you don't have any claims for a set time period.
  • Early Switch Discount - A few companies offer discounts for switching to them before your current policy expires. It's a savings of about 10%.
  • Air Bag Discount - Factory air bags or motorized seat belts can receive discounts up to 30%.

It's important to note that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you're out of luck.

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

Homestead Car Insurance Comparisons

There are several ways to compare quotes from different Homestead insurance companies. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

One of the best ways to find low rates is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating boring form submissions for each company you want a rate for. Just one form gets you price quotes from all major companies.

Another way to compare rate quotes requires visiting the website for each individual company to complete a price quote. For example, we'll pretend you want to compare , and . To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Homestead, click here.

The least efficient method to get comparison rates is to waste gas driving to different Homestead agent offices. Shopping for car insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. You can, however, compare online quotes and still use a local agent and we'll talk about that later.

It doesn't matter which method you choose, just be sure to compare apples-to-apples quote information with each company. If you compare mixed coverages it will be next to impossible to make an equal comparison in Homestead. Just a small difference in limits may result in large price differences. Keep in mind that comparing more company's prices gives you a better chance of getting the best offered rates.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Florida?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Shop smart and save

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.

We just showed you a lot of tips how to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from a company that doesn't do a lot of advertising. These companies often have lower prices on specific markets than their larger competitors like .

Lower-priced car insurance can be sourced from both online companies as well as from independent agents in Homestead, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.