Getting Low-Cost Port Richey Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse.

With consumers having so many online and local companies to choose from, it is very difficult to locate the lowest price provider.

It's important to check car insurance prices at least once a year due to the fact that insurance rates are constantly changing. If you had the best rates a year ago you will most likely find a better rate today. There is a lot of wrong information about car insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

This article will tell you the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. But Florida consumers do need to know how companies determine prices.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Some trigger automatically when you get a quote, but some may not be applied and must be specifically requested before you will receive the discount.

Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.
Military Rewards - Being on active duty in the military can result in better rates.
Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.
Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
Clubs and Organizations - Being a member of a professional or civic organization is a good way to get lower rates on car insurance.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
Homeowners Discount - Owning a house in Port Richey can help you save on car insurance because of the fact that having a home demonstrates responsibility.
Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.

Drivers should understand that most discounts do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will help reduce your premiums.

The car insurance bait and switch

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to make an identical promise that you'll save big if you move to them. But how can every company claim to save you money?

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a desirable insured might be between 25 and 40, has no tickets, and has excellent credit. Any driver who meets those qualifications receives the best rates and therefore will save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay higher premiums and ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. That's the way companies can make those claims.

Because of the profiling, you should get a wide range of price quotes. You cannot predict which car insurance company will have the lowest rates.

Much more information about car insurance in Florida can be read on the website for the Florida Office of Insurance Regulation located here. Visitors are able to learn about insurance regulations, find disaster information, file complaints about a company, and find out which companies have the most complaints.

Also read more on this Car Insurance FAQ and this page of insurance agents in Port Richey.

The best insurance company isn't always the cheapest

While you're price shopping online, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford.

Budget-conscious car insurance is possible both online and with local Port Richey insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.