Top Ways to Save on Pensacola Car Insurance

Expensive car insurance can dwindle your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. Because you have many choices, it can be diffult for consumers to choose the cheapest insurer.

It's important to compare rates on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the best price two years ago there may be better deals available now. Ignore everything you know about car insurance because you're about to learn how to use online quotes to find the best coverage while lowering your premiums.

Pensacola car insurance comparison

Save big with these discounts

Companies don't always list all their discounts very well, so we took the time to find both the well known and the harder-to-find ways to save on car insurance. If you don't get every credit you deserve, you're just leaving money on the table.

  • College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Sign Online - A handful of insurance companies may give you up to $50 for buying your policy online.
  • Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Bundle and Save - When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

For a list of companies who offer car insurance discounts in Florida, click this link.

Which Car Insurance is Cheapest in Pensacola, Florida?

Finding a better price on car insurance can be relatively painless. You just have to take a couple of minutes comparing rates provided by online insurance companies. This can be accomplished in several different ways.

One of the best ways to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating multiple quote forms to each individual car insurance company. One form submission gets you price quotes from multiple low-cost companies.

A slightly less efficient method to get quotes online requires visiting each company's website to complete a price quote. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Pensacola, click here.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information for every company. If you have mixed coverages it will be very difficult to decipher which rate is best in Pensacola.

Best coverage at the best price

When buying insurance coverage, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest price.

Cheap car insurance can be sourced both online and also from your neighborhood Pensacola agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just presented many ideas to get a better price on car insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a smaller regional carrier. These companies may have significantly lower rates on certain market segments than their larger competitors like .