Top 10 Ways to Get Lower Rates on Car Insurance in Marco Island, FL

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you are not the only one feeling buyer's remorse. You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

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 a year ago you may be paying too much now. Starting right now, 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.

How to Compare Marco Island Car Insurance Costs

Performing a rate comparison is a ton of work if you don't know the fastest way to get free quotes. You could spend your day talking to local insurance agents in Marco Island, or you could save time and use the internet to quickly compare rates.

All the larger companies take part in a program that enables customers to submit one quote, and each company then gives them pricing determined by their information. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is you don't know exactly which companies to receive prices from. So if you want to select specific providers to receive pricing from, we put together a list of car insurance companies in Florida. Click here to view list.

Whichever way you use, compare identical coverage limits with every price quote. If your comparisons have differing limits it's impossible to find the best deal in Marco Island.

Don't pay full price with these ten discounts

Car insurance companies don't necessarily list all their discounts very clearly, so we break down both the well known as well as the least known car insurance savings. If you're not getting every credit possible, you're just leaving money on the table.

Senior Citizens - Older drivers may receive reduced rates.
Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
College Student - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
Bundle and Save - When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Homeowners Discount - Owning a house in Marco Island may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Passive Restraint Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think it's possible to get free car insurance, you won't be that lucky.

For a list of companies with discount car insurance rates in Florida, follow this link.

Even more information can be found at the Florida Office of Insurance Regulation website. Visitors are able to learn about insurance regulations, find disaster information, discover disciplinary actions, and read enforcement actions against agents and companies.

Best coverage at the best price

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford.

Cheaper car insurance is attainable both online and with local Marco Island insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.