7 Discounts Monticello Shoppers Forget when Shopping for Car Insurance

Having to pay for overpriced car insurance can dwindle your checking account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to help make ends meet. Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you are insured now or are shopping for new coverage, you can learn to find better prices and still get good coverage. Finding affordable coverage in Monticello is quite easy. Florida drivers only need an understanding of the proper methods to compare company rates online.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount. If you aren't receiving every discount you deserve, you are throwing money away.

Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
Service Members Pay Less - Having a family member in the military can result in better rates.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
Accident Waiver - A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
Clubs and Organizations - Belonging to a civic or occupational organization could trigger savings when shopping for car insurance.

It's important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether or not you might need professional guidance.

What can I do if my company won't pay a claim?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Do I qualify for additional discounts?
Am I covered by my employer's commercial auto policy when driving my personal car for business?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Is there truth in advertising?

Consumers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and GEICO. They all make the same claim of big savings if you move to their company.

How can each company make the same claim?

All companies have a preferred profile for the driver that earns them a profit. A good example of a driver they prefer could be between 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be quoted more money which leads to business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently state the savings.

This emphasizes why drivers should get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

Additional car insurance information can be read on the website for the Florida Office of Insurance Regulation located here. Consumers can view a list of available companies, learn about insurance regulations, download brochures, and read consumer alerts.

Best coverage at the best price

As you restructure your insurance plan, it's not a good idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Low-cost car insurance is possible from both online companies and also from your neighborhood Monticello agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.