Car Insurance in Palatka - 6 Discounts You Might be Missing

Buying the most affordable Palatka car insurance on the internet can seem to be challenging for consumers new to price shopping online. With dozens of insurance companies available, how can you even start to compare the different rates to find the best price?

It's important to shop coverage around yearly since rates are constantly changing. Even if you got the lowest rates on your last policy you may be paying too much now. Starting now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to find better rates and still maintain coverage.

The purpose of this post is to teach you how to get online quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Nevertheless, Florida consumers do need to know the methods companies use to price online insurance and use this information to your advantage.

Where Can I Get Cheap Palatka Car Insurance?

The are a couple different ways to get quotes from local Palatka car insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find low rates is a comparison rater form (click to open form in new window). This method eliminates the need for separate quote forms to each individual car insurance company. A single, simple form compares rates from many national carriers. Recommended for those who want to invest the least amount of time.

A more time consuming way to shop for car insurance online is going to each company website and fill out their own quote form. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Palatka, click here.

The least efficient way to compare rates to insurance agents' offices. Shopping for car insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. You can, however, compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, make sure you use identical coverage limits and deductibles for every quote you compare. If you enter different liability limits it will be impossible to determine the best price in Palatka. Just a small difference in coverage limits may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices helps locate the best rates.

Florida car insurance

Policy discounts you shouldn't miss

Car insurance can cost a lot, buy you may qualify for discounts that many people don't even know exist. Most are applied at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Good Student Discount - 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 one company you could get a discount of approximately 10% to 15%.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Resident Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Discount for Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.
  • Lower Rates for Military - Having a deployed family member could mean lower rates.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

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

Insurance agents can help

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

For example, these questions can help discover whether your personal situation could use an agent's help.

  • Should I buy only the required Florida minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Florida?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage for damage caused while driving under the influence?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Additional car insurance information can be found on the Florida Office of Insurance Regulation website through this link. Visitors are able to file complaints about a company, view agent and company licensing information, and read consumer alerts.

Florida car insurance quotes

Shop smart and save

We just covered many ways to lower your car insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with an unexpected company.

When you buy insurance online, it's very important that you do not reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cost effective car insurance can be found both online as well as from independent agents in Palatka, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.