10 Ways You Can Buy Car Insurance for Less in Port St Lucie Florida

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out. Companies like GEICO and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Finding affordable coverage in Port St Lucie is easy if you know what you're doing. Florida vehicle owners just need to know the tricks to compare rates over the internet.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Some discounts apply automatically when you purchase, but less common discounts must be asked for before being credited. If you aren't receiving every discount possible, you are paying more than you should be.

Accident Free - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
Federal Government Employee - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
Multiple Policy Discount - If you insure your home and vehicles with one company you may save up to 20% off your total premium.
Low Mileage Discounts - Fewer annual miles can earn a substantially lower rate.
Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Discount for Good Grades - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

To choose insurance companies who offer car insurance discounts in Port St Lucie, click here.

Save $429 a year? Really?

Consumers can't ignore all the ads that promise big savings by companies like Progressive, Allstate and GEICO. They all have a common claim that you'll save big after switching to them.

How can each company make the same claim?

All companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer could be over the age of 50, has no driving citations, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will be quoted higher prices and this can result in business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save money. That's the way companies can advertise the savings.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Much more information about car insurance in Florida can be found on the website for the Florida Office of Insurance Regulation through this link. Consumers can read industry bulletins, find out which companies have the most complaints, report car insurance fraud, and download brochures.

Best coverage at the best price

Budget-conscious car insurance can be sourced from both online companies and with local Port St Lucie insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.