Ruskin Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the wide range of car insurance companies in Ruskin? You're not the only one! You have so many options available that it can turn into more work than you anticipated to find the best price.

More discounts equal less premium

Auto insurance companies don't always advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If they aren't giving you every credit possible, you are throwing money away.

  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

car insurance in Ruskin

Switch companies and save? Really?

Consumers in Florida get pounded daily by advertisements that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise about savings after switching your policy.

How do they all claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer might be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Consumers who do not match the "perfect" profile must pay higher prices and ends up with the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully advertise the way they do. This illustrates why you should quote coverage with many companies. You cannot predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

Even more information can be read at the Florida Office of Insurance Regulation website. Visitors are able to find disaster information, discover disciplinary actions, and file complaints about an insurance agent or broker.

car insurance in Ruskin

And the best car insurance company is...

Cheaper car insurance can be purchased both online in addition to many Ruskin insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

People change insurance companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, denial of a claim and even unfair underwriting practices. It doesn't matter why you want to switch finding a new car insurance company is less work than it seems.