Proven Ways to Save on Odessa Car Insurance

I can't think of anyone who looks forward to buying car insurance, particularly when their premiums are through the roof.

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 occasionally since rates are constantly changing. Just because you had the lowest rates two years ago you may be paying too much now. Starting right now, forget anything you know (or 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.

Choosing the best insurance company for you in Odessa is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, Florida consumers do need to know the methods companies use to sell insurance online and use this information to your advantage.

Odessa Car Insurance Quote Comparison

Most major insurance companies like Allstate and Progressive quote pricing on the web. Getting quotes is pretty easy as you simply enter your coverage preferences into the quote form. Behind the scenes, the system will obtain your credit score and driving record and gives you a price quote. Being able to quote online makes comparing rates easy, but the process of having to visit several different sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you are searching for a lower rate.

A less time-consuming method to get multiple rate quotes is to use a quote form to return rates from multiple companies. It's a real time-saver, reduces the work, and makes rate comparisons much easier to do. As soon as the form is sent, it is quoted and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This way, you will have rate comparison quotes based on similar coverages.

Odessa car insurance quote

Why some people pay less for insurance in Odessa

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that can help you get big savings.

Listed below are a few of the "ingredients" companies use to determine your rates.

  • Your credit rating is important - Your credit score is a huge factor in determining your rates. Therefore, if your credit score is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit.
  • Poor driving leads to higher costs - Good drivers tend to pay less for car insurance than bad drivers. Just one citation can increase rates twenty percent or more. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Where you live is a factor - Living in less populated areas has it's advantages when talking about car insurance. City drivers have to deal with congested traffic and longer commutes to work. Lower population means fewer accidents.
  • Multi-policy discounts can save money - Most companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to shop around to make sure you are getting the best deal.

More discounts equal less premium

Car insurance companies don't necessarily list every available discount very clearly, so we break down both the well known and the harder-to-find car insurance savings.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Multi-policy Discount - When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Payment Discounts - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Accident Forgiveness - Certain companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Accident Free - Good drivers with no accidents can save substantially compared to frequent claim filers.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

For a list of providers offering car insurance discounts in Florida, follow this link.

It's not one size fits all

When it comes to choosing adequate coverage for your vehicles, there isn't really a "best" method to buy coverage. Every insured's situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you could use an agent's help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Florida?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

More tips and info about car insurance can be found at the Florida Office of Insurance Regulation website. Visitors are able to find out industry alerts, file complaints about a company, view agent and company licensing information, and read consumer alerts.

Odessa car insurance quote

Affordable insurance is out there

When buying insurance coverage, it's very important that you do not reduce needed coverages to save money. Too many times, an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

We just covered many ways to lower your car insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest premiums are with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as .