6 Tricks Shown to Save Money on Car Insurance Costs in Sorrento, FL

Finding lower premiums on Sorrento car insurance is a challenge for consumers new to comparing rates online. Drivers have so many options available that it can be a challenge to locate the lowest price in Sorrento.

It's important to get comparison quotes before your policy renews since rates are constantly changing. If you had the lowest price last year a different company probably has better rates today. Don't believe everything you read about car insurance on the internet, so we're going to give you some great ways to find cheap car insurance.

Take advantage of discounts

Companies offering auto insurance don't necessarily list every available discount very clearly, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Multi-policy Discount - If you have multiple policies with the same company you will save approximately 10% to 15%.
  • Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with certain companies.
  • No Claims - Claim-free drivers pay much less compared to drivers who are more careless.
  • New Car Discount - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Resident Student - Youth drivers who are attending college without a vehicle on campus may qualify for this discount.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

Sorrento car insurance quote

Are car insurance companies telling the truth?

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads have a common claim about savings if you move your policy. How does each company make the same claim?

All the different companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk could be over the age of 40, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Potential insureds who don't qualify for these standards will be charged more money and this can result in business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That's why companies can truthfully advertise the savings. That is why drivers should get as many quotes as possible. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Even more information is located at the Florida Office of Insurance Regulation website. Consumers can read consumer alerts, find a variety of consumer forms, and download brochures.

Also read more on Wikipedia and this Sorrento agent directory.

The best insurance company isn't always the cheapest

As you prepare to switch companies, make sure you don't skimp on coverage in order to save money. Too many times, an accident victim reduced collision coverage and learned later that the small savings ended up costing them much more. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, being labeled a high risk driver, high rates after DUI convictions and even lack of trust in their agent. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Cheaper car insurance is definitely available from both online companies in addition to many Sorrento insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.