5 Discounts Palm Springs Drivers Forget when Comparing Car Insurance

Consumers who are new to the process of buying insurance online might discover shopping for the lowest-priced Palm Springs car insurance quite difficult.

These 5 discounts can lower your rates

Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be manually applied prior to receiving the credit. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Air Bag Discount - Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Federal Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck. But any discount will reduce the cost of coverage.

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Different people need different coverages

When it comes to buying the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Each situation is unique.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, Allstate and GEICO. They all say the same thing that you can save if you move your coverage to them.

How can each company make the same claim?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a driver they prefer could be a mature driver, a clean driving record, and has a short commute. Any new insured who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be quoted higher prices which usually ends up with business going elsewhere. The ads state "people who switch" not "everybody who quotes" save that much money. That is how insurance companies can make the claims of big savings.

This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

Additional Florida consumer information

More information is located on the Florida Office of Insurance Regulation website through this link. Consumers can find disaster information, find out industry alerts, and download brochures.

Florida car insurance

In the end, you save

Consumers who switch companies do it for many reasons like unfair underwriting practices, poor customer service, extreme rates for teen drivers and even policy non-renewal. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.

You just learned many ways to reduce car insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the best price on car insurance is with a company that doesn't do a lot of advertising.

As you shop your coverage around, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.