Tightwads Instructions on Saving on Longwood Auto Insurance

No one likes paying for auto insurance, especially knowing the price is too high.

Lots of contend for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate

Vehicle Insurance Comparison

There are several ways of comparing rate quotes from different Longwood insurance companies. The recommended way to find the lowest rates involves getting comparison quotes online. This can be accomplished in several different ways.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotes for each company. Just one form will get you rate comparisons instantly.

A less efficient way to compare rate quotes requires you to visit the website for every company you want to comare and complete a new quote form. For example, let's say you want to compare , and . You would 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 Longwood, click here.

The most time-consuming method to get comparison rates is to waste gas driving to and from local Longwood insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the professional advice of a licensed agent. It is possible to compare the best prices online and still use a local agent and we'll touch on that later.

Whichever method you choose, be sure to compare the exact same coverage information on every quote. If you compare unequal deductibles or liability limits it will be impossible to make a fair comparison in Longwood. Slightly different limits may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding the best offered rates.

auto insurance in Longwood

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that help determine auto insurance rates. Understanding what influences your rates helps enable you to make changes that could result in better auto insurance rates.

The following are some of the factors that factor into premiums.

  • Do you need those extra coverages? - There are a ton of additional coverages that you can get tricked into buying if you aren't careful. Coverages like roadside assistance, accidental death and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
  • Traffic citations inflate rates - Only having one speeding ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with the DMV in their state in order to keep their license.
  • Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets like reckless driving and DUI. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • High crash test scores lower rates - Safer cars get lower rates. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.

Take advantage of discounts

Car insurance companies do not advertise all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Driver Safety - Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Senior Discount - Older drivers may be able to get a discount up to 10%.
  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for a substantially lower rate.
  • Student Driver Training - Require your teen driver to enroll in driver's education if it's offered in school.

It's important to note that some credits don't apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you're out of luck.

For a list of insurers who offer auto insurance discounts in Longwood, click here.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Florida?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Do I have any recourse if my insurance company denies a claim?

If you can't answer these questions, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Additional detailed information is available at the Florida Office of Insurance Regulation website. Florida drivers can discover disciplinary actions, file complaints about a company, learn about insurance regulations, and find disaster information.

Florida auto insurance

The best insurance company isn't always the cheapest

Lower-priced auto insurance can be bought on the web in addition to many Longwood insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered a lot of ways to lower your auto insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company. Smaller companies often have lower prices on specific markets than their larger competitors like .

When shopping online for auto insurance, you should never reduce needed coverages to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.