Easy Ways to Save Money on Palm Harbor Car Insurance

Buying the cheapest Palm Harbor car insurance online may be problematic for people who are new to buying insurance online. With a ridiculous number of online companies available, how can consumers possibly compare them all to find the best available rates?

If you have insurance now or need a new policy, you can follow these tips to find better prices while maintaining coverages. Locating the lowest cost coverage in Palm Harbor can be fairly easy. Florida vehicle owners just need to know the best way to get comparison quotes online.

Free Palm Harbor Car Insurance Quotes

Cutting your car insurance rates can be relatively painless. Just spend a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating multiple quote forms for each company. One form will return quotes from multiple low-cost companies.It's the quickest way to get rates.
  • A more time consuming way to compare rate quotes is to take the time to go to the website of each company to complete a price quote. For example, we'll assume you want comparison quotes from , and . You would have to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Palm Harbor, click here.

Whichever method you choose, make darn sure you compare exactly the same coverages and limits for every company. If you have different deductibles you can't possibly decipher which rate is best in Palm Harbor.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specially asked for in order for you to get them. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Passive Restraints - Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Early Signing - Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Senior Citizens - Mature drivers may qualify for better car insurance rates.

Drivers should understand that some credits don't apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like you could get a free car insurance policy, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

To see a list of insurance companies offering car insurance discounts in Palm Harbor, click here.

How to know if you need help

When choosing coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Florida minimum liability coverage?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Much more information about car insurance in Florida can be read on the Florida Office of Insurance Regulation website found here. Visitors are able to read industry bulletins, read enforcement actions against agents and companies, and find out industry alerts.