6 Ways to Save on Car Insurance in New Port Richey

Beginners to buying insurance online can find buying cut-rate New Port Richey car insurance to be a formidable task.

It's important to compare prices periodically since rates are constantly changing. Despite the fact that you may have had the best price on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because you're about to learn one of the best ways to find better coverage at a better price.

How much can you save with these six discounts?

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but a few need to be inquired about prior to getting the savings.

  • Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Good Student - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • E-sign - Some insurance companies will give a small break for buying your policy online.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

Florida car insurance

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs would benefit from an agent's advice.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Florida?
  • What are Florida no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my personal policy cover me when driving my company car?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make the same claim about savings after switching to their company. But how can every company make the same claim?

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a preferred risk could be between 25 and 40, a clean driving record, and has great credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be charged a more expensive rate which leads to business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the savings.

That is why you should quote coverage with many companies. It's just too difficult to predict which company will fit your personal profile best.

Additional information can be found on the Florida Office of Insurance Regulation website through this link. Consumers can learn about specific coverages, file complaints about a company, and read enforcement actions against agents and companies.

Also read more on III.org's auto insurance page and this directory of insurance agents in New Port Richey Florida.

Florida car insurance

Do the work, save more money

You just learned some good ideas how to reduce car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the most savings is with an unexpected company.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cheap car insurance can be bought from both online companies and also from your neighborhood New Port Richey agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.