How to Know You're Spending Too Much for Car Insurance in Nokomis

Having to pay for overpriced car insurance can empty your savings account and make it impossible to make ends meet. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Drivers have multiple to pick from, and even though it's nice to have a choice, it can be more challenging to compare rates.

Finding affordable coverage in Nokomis is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using this information. Although Florida consumers do need to know the way insurance companies price insurance differently and use this information to your advantage.

Low Cost Nokomis Car Insurance

The are a couple different ways of comparing rates from local Nokomis car insurance companies. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form eliminates the need for repetitive form submissions for every car insurance company. One form gets rate comparisons from multiple companies.

A slightly less efficient method to shop for car insurance online is spending the time to visit the website for every company you want to comare and request a quote. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Nokomis, click here.

The most time-consuming way to get comparison rates is driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a local Nokomis agent. It is possible to compare the best prices online but buy from a local insurance agent and you'll learn how to do that later.

However you get your quotes, make darn sure you compare identical information with every price quote. If you use higher or lower deductibles it will be very difficult to find the best deal in Nokomis. Slightly different coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps you find the best price.

car insurance in Nokomis

Good Decisions Result in Lower Rates

It's important that you understand the factors that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that could result in lower car insurance prices.

The following are a few of the "ingredients" car insurance companies consider when setting premiums.

  • Extra coverages can waste money - There are a ton of add-on coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.
  • Older drivers save more - Youthful drivers in Florida are known to get distracted easily when driving so they pay higher car insurance rates. If you've ever had to add a youthful driver to your car insurance policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
  • Where you reside plays a part - Residing in a rural area is a positive aspect when talking about car insurance. Urban drivers have to deal with more traffic problems and a longer drive to work. Lower population translates into fewer accidents.
  • Being married is a good thing - Having a spouse can get you a discount on car insurance. Having a spouse means you're more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Safer cars cost less to insure - Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates.

Policy discounts you shouldn't miss

Auto insurance companies don't always publicize all available discounts very clearly, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • Driver Safety - Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Student in College - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy over the internet.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Payment Method - By paying your policy upfront rather than paying monthly you may reduce your total bill.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

For a list of insurers who offer car insurance discounts in Florida, click here.

Insurance agents can help

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver in Nokomis?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won't pay a claim?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Even more information can be found at the Florida Office of Insurance Regulation website. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, view agent and company licensing information, and get help finding coverage.

Other useful links include this resource for Florida car insurance prices and this link which helps you find a Nokomis agent.

Nokomis car insurance comparison

Do the work, save more money

The cheapest car insurance can be purchased both online and also from your neighborhood Nokomis agents, and you need to price shop both to have the best rate selection. Some companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, make sure you don't reduce needed coverages to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.