Top 5 Ways to Get Lower Rates on Car Insurance in Plant City, FL

Are you overwhelmed by the wide range of car insurance options in Plant City? Lot's of other consumers are too. Consumers have so many choices that it can turn into a real challenge to find the perfect company for you.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit.

  • Club Memberships - Being a member of a qualifying organization could trigger savings when buying car insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Auto/Home Discount - When you have multiple policies with one company you may save 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of insurers with discount car insurance rates in Florida, click this link.

Compare the Market for Car Insurance in Plant City

The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished in several different ways.

One of the best ways to get quotes is a comparison rater form click here to open form in new window. This form eliminates the need for separate forms for each company. Completing one form will get you price quotes from several companies. It's definitely the quickest method.

A more time consuming way to shop for car insurance online requires a visit to each individual company website and fill out their own quote form. For instance, let's assume you want to compare rates from , and . You would have to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Plant City, click here.

It's up to you how you get prices quotes, just compare identical coverage limits for every quote you compare. If you are comparing differing limits you can't possibly determine the best price in Plant City. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that quoting more helps you find better pricing.

Do the work, save more money

Cheaper car insurance is attainable both online and with local Plant City insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't sacrifice coverage to reduce premiums. In too many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We just covered some good ideas how to get a better price on car insurance. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with a small mutual company.