Free Guide to Spending Less for Riverview Car Insurance Online

Tired of being strong-armed each month for car insurance? You're in the same situation as the majority of other car owners in Florida.

Having so many companies and agents to choose from, it's nearly impossible to locate the most affordable insurer.

It's important to price shop coverage before your policy renews due to the fact that insurance rates are constantly changing. Even if you got the best price two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to reduce your cost while improving coverage.

This information will let you in on how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. But Florida consumers do need to know how companies price insurance differently and apply this information to your search.

More discounts equal less premium

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you quote, but less common discounts must be specially asked for before you get the savings.

Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with select insurance companies.
Bundle and Save - If you have multiple policies with the same insurance company you will save at least 10% off all policies.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
No Claims - Claim-free drivers can save substantially as compared to drivers who are more careless.
Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Sign Online - A few companies may give you up to $50 for buying a policy and signing up online.

Drivers should understand that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will help reduce your premiums.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim that you'll save big after switching your policy. But how can every company claim to save you money?

Insurance companies can use profiling for the right customer that earns them a profit. For example, a desirable insured might be between 25 and 40, is a homeowner, and chooses high deductibles. Any driver that hits that "sweet spot" will get the preferred rates and therefore will save a lot of money.

Drivers who do not match this ideal profile will have to pay a higher premium and this can result in the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's why companies can state the savings.

Because of the profiling, you should get as many quotes as possible. You cannot predict the company that will give you the biggest savings.

Learn more today

Much more information about car insurance in Florida can be found on the website for the Florida Office of Insurance Regulation located here. Visitors are able to learn about insurance regulations, download brochures, view agent and company licensing information, and read consumer alerts.

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

The best insurance company isn't always the cheapest

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

Budget-conscious car insurance can be purchased both online in addition to many Riverview insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.