Comparing Cheaper Perry Auto Insurance

Tired of not being able to afford each month for car insurance? You are no different than many other Florida consumers. Lots of contend for your hard-earned dollar, so it's not easy to compare every to get the lowest rate

If you are insured now or need new coverage, you can follow these tips to find the best rates while maximizing coverage. Finding affordable coverage in Perry is quite easy. Florida drivers only need an understanding of the most efficient way to compare prices online.

How much can you save with discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but less common discounts must be manually applied before you will receive the discount. If they aren't giving you every credit available, you're paying more than you need to.

  • Student Driver Training - Have your child successfully complete driver's ed class in high school.
  • Claim Free - Claim-free drivers can save substantially when compared to bad drivers.
  • Defensive Driving Course - Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • One Accident Forgiven - A few companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Paperwork-free - Certain companies give back up to $50 simply for signing on their website.

Consumers should know that some credits don't apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts in Perry, click here.

compare Perry auto insurance rates

How to Compare Auto Insurance Costs in Perry

There are several ways you can shop for auto insurance and some are less time-consuming than others. You can waste a lot of time talking to agents in Perry, or you could use online quotes to get pricing more quickly.

Many insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company provides a quote determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is you can't choose which carriers to get quotes from. So if you want to select specific providers for rate comparison, we have a listing of companies who write auto insurance in Florida. View list of Florida insurance companies.

Whichever method you choose, double check that you are using the exact same coverages with each company. If your comparisons have different limits and deductibles on each one you can't possibly make an equal comparison in Perry.

Tips to Get Lower Perry Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes a few of the "ingredients" used by your company to calculate prices.

  • Too many auto insurance claims drive up costs - Companies in Florida generally give better rates to policyholders who do not file claims often. If you file claims often, you can expect higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Rates may be higher depending on your occupation - Careers like lawyers, social workers and accountants have higher rates than average due to job stress and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed get better rates.
  • Extra coverages can waste money - There are a lot of extra bells and whistles that can waste your money if you aren't careful. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so get rid of them and save.
  • Protect your assets with liability insurance - The liability section of your policy will protect you when a jury decides you are liable for personal injury or accident damage. It provides for a legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Men fork out a little more - The statistics show that men are more aggressive behind the wheel. However, don't assume that women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
  • Consolidate policies to earn discounts - The majority of insurance companies provide better rates to people who have multiple policies with them. It's known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it's still a good idea to compare rates to verify if the discount is saving money. Consumers may find better rates by buying auto insurance from a different company.
  • A clean driving record saves money - A bad driving record impacts your car insurance rates tremendously. Even one moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets get better rates than people who have multiple driving citations. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.

Save 15 percent in 15 minutes? Is it for real?

Florida drivers can't get away from ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all have a common claim of big savings if you move your coverage to them.

How do they all say the same thing? It's all in the numbers.

All companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't meet the "perfect" profile will be quoted more money and this can result in business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can confidently advertise the way they do.

This emphasizes why drivers must get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

Best coverage at the best price

Cost effective auto insurance is definitely available on the web as well as from independent agents in Perry, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

compare Perry auto insurance rates

Additional auto insurance information can be found on the website for the Florida Office of Insurance Regulation found here. Florida drivers can download brochures, read industry bulletins, discover disciplinary actions, and find out which companies have the most complaints.