Top 6 Ways to Get Lower Rates on Car Insurance in Lady Lake, FL
Are you overwhelmed by the sheer number of car insurance options in Lady Lake? You're not alone. Drivers have so many choices that it can turn into a challenge to locate the lowest price.
It's important to do rate comparisons at least once a year since rates are constantly changing. Even if you think you had the lowest rates two years ago you may be paying too much now. So just block out anything you think you know about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.
Comprehensive Lady Lake Car Insurance Comparison Quotes
There are several ways to compare car insurance prices but some are less time-consuming than others. You could spend your day talking to agents in Lady Lake, or you could save time and use the web to get rate comparisons in just a few minutes.
All the larger companies take part in a program that allows shoppers to submit one quote, and every company then returns a price quote determined by their information. This saves time by eliminating form submissions to each individual car insurance company.
To submit your quote information now, click here (opens in new window).
The only drawback to using this type of form is that you can't choose which companies you want to price. So if you want to select from a list of companies for rate comparison, we put together a list of car insurance companies in Florida. Click here to view list.
It's your choice how you get your quotes, but compare exactly the same coverage limits for every company. If your comparisons have differing limits it's not possible to decipher which rate is best in Lady Lake.
Be sure to get all your discounts
Car insurance companies don't always list all their discounts in a way that's easy to find, so we break down some of the more common as well as the least known savings tricks you should be using. If you aren't receiving every discount possible, you're just leaving money on the table.
- Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
- Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
- Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
- Federal Government Employee - Simply working for the federal government could cut as much as 10% off with select insurance companies.
- Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
- New Car Discount - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.
For a list of companies with discount car insurance rates in Lady Lake, click here to view.
Even more information can be found at the Florida Office of Insurance Regulation website. Consumers can file complaints about an insurance agent or broker, find disaster information, and download brochures.
Best coverage at the best price
When buying insurance coverage, it's a bad idea to reduce needed coverages to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford.
Cheaper car insurance is attainable from both online companies and with local Lady Lake insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
People leave their current company for a number of reasons such as delays in paying claims, delays in responding to claim requests, extreme rates for teen drivers and policy cancellation. Regardless of your reason, choosing a new insurance company is not as hard as you think.
