How to Find Low-Cost Seffner Auto Insurance

Purchasing the lowest cost Seffner auto insurance on the web can be impossible for people who are new to comparing rates online. With so many choices of companies in the marketplace, how can consumers even start to compare them all to find the lowest price?

It's important to get comparison quotes quite often since insurance rates are constantly changing. Despite the fact that you may have had the best rates a few years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the internet, so we're going to give you some great ways to save money.

How much can you save with discounts?

Companies don't always list every available discount very well, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If you don't get every credit you deserve, you're paying more than you need to.

Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Resident Student - Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
New Vehicle Savings - Insuring a new car can be considerably cheaper compared to insuring an older model.
Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
Driver's Ed - Have your child take driver's ed class if it's offered in school.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way.

To see a list of providers who offer auto insurance discounts in Florida, click this link.

Free Quotes for Auto Insurance in Seffner, Florida

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time talking about coverages with insurance companies in Seffner, or you could save time and use online quotes for quick rates.

Many insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and at least one company can give them a price based on that data. This system prevents you from having to do quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of system is you can't choose which carriers you want to price. So if you want to choose individual companies to compare prices, we have assembled a list of auto insurance companies in Florida. Click to view list.

It's up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage information on every quote. If you have unequal deductibles or liability limits it's impossible to make a fair comparison in Seffner.

Understand what determines the rate you pay

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better auto insurance rates.

The following are some of the items that factor into your rates.

Consolidate policies to earn discounts - Many auto insurance companies give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible.
Mature drivers pay less - Teenage drivers in Florida are known to be less responsible when driving so auto insurance rates are higher. Adding a teenage driver onto your auto insurance can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
Clean credit earns discounts - Your credit history is a important factor in determining what you pay for auto insurance. If your credit is not that good, you could pay less to insure your by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.
You might want pay the small claims yourself - Insurance companies in Florida give discounts to drivers who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Discounts for married couples - Getting married can get you a discount on your auto insurance policy. Marriage usually means you are more mature and it's proven that married drivers get in fewer accidents.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone's situation is a little different.

For example, these questions may help you determine if your insurance needs might need an agent's assistance.

Do I need PIP (personal injury protection) coverage in Florida?
Why does it cost so much to insure a teen driver in Seffner?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions then you might want to talk to a licensed agent. If you don't have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Florida drivers can't get away from ads for car insurance savings from companies such as Allstate and Progressive. All the ads make the same claim that you can save after switching your policy.

But how can every company say the same thing?

Different companies have a preferred profile for the right customer that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be charged higher rates which leads to business not being written. The ads say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can advertise the way they do. That is why drivers must get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Best coverage at the best price

When shopping online for auto insurance, don't be tempted to reduce coverage to reduce premium. Too many times, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

In this article, we covered some good ideas how to compare auto insurance prices online. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies.

Insureds change insurance companies for a number of reasons such as policy cancellation, not issuing a premium refund, poor customer service or extreme rates for teen drivers. It doesn't matter what your reason, choosing a new insurance company is actually quite simple.

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Florida drivers can read consumer alerts, read enforcement actions against agents and companies, and find out industry alerts.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Seffner insurance agents.