6 Top Ways to Slash Car Insurance Costs in Milton

Consumers not familiar with buying insurance online might discover finding low-cost Milton car insurance is not as easy as it seems.

Buying car insurance in Milton is easy if you know what you're doing. Basically, everyone who is required by state law to have car insurance will be able to save money. But Florida car owners do need to know how big insurance companies sell online and take advantage of how the system works.

Take advantage of discounts

Car insurance companies don't list every discount very clearly, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
  • Accident Forgiveness - Certain companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.

Consumers should know that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, companies don't profit that way.

To see a list of insurance companies with discount car insurance rates in Florida, click here.

Finding Car Insurance Deals in Milton, FL

There are several ways to compare rate quotes from different Milton insurance companies. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done in several different ways.

  • The best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quote forms for each company. A single form gets you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  • A different way to compare rate quotes requires a trip to the website of each company and fill out their own quote form. For example, let's say you want to compare , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Milton, click here.
  • The most time-consuming method of getting rate comparisons is to spend time driving to different Milton agent offices. The internet has reduced the need for local agents unless you prefer the personal advice of a licensed agent. It is possible to obtain prices from the web and still use a local agent and we'll cover that in a bit.

However you get your quotes, make absolute certain that you use identical quote information for each comparison quote. If you compare mixed coverages it will be impossible to determine the lowest rate in Milton. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps locate a better price.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my liability insurance cover pulling a trailer or camper?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim that you'll save big if you change to them. How does each company make the same claim?

Different companies have a certain "appetite" for the type of driver that is profitable for them. An example of a driver they prefer could be between 30 and 50, owns a home, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards will be quoted higher prices and this can result in business going elsewhere. The ads say "people who switch" not "people who quote" save money. That is how companies can advertise the savings. This emphasizes why drivers must get as many comparisons as possible. It's just too difficult to predict which company will fit your personal profile best.

Final considerations

Drivers leave their current company for many reasons like extreme rates for teen drivers, policy cancellation, lack of trust in their agent or denial of a claim. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

When you buy insurance online, never reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Discount car insurance can be sourced from both online companies and with local Milton insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these smaller companies work with independent agents.

Milton car insurance quote

More detailed Florida car insurance information is available at the Florida Office of Insurance Regulation website. Consumers can download brochures, read consumer alerts, and find out which companies have the most complaints.