9 Discounts St Petersburg Drivers Forget when Buying Car Insurance

I can't think of anyone who likes paying for car insurance, especially when they are paying too much. Numerous battle for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest rate

It's important to check car insurance prices periodically since rates are constantly changing. If you had the best rates a few years ago you may be paying too much now. You can find a lot of wrong information about car insurance on the internet, so I'm going to show you some great ways to slash your car insurance rates.

St Petersburg Car Insurance Comparisons

Getting better car insurance pricing is actually quite simple. Just take time getting comparison quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotes to each individual car insurance company. Just one form will return price quotes instantly.

A different way to compare rate quotes consists of visiting each company's website and complete a new quote form. For example, we'll assume you want to compare , and . To find out each rate you need to visit each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in St Petersburg, click here.

However you get your quotes, be sure to compare the exact same deductibles and coverage limits on every quote. If you compare different values for each quote you will not be able to make a fair comparison in St Petersburg.

Take advantage of discounts

Companies do not list all their discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

New Car Discount - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of 20% or more.
Student Driver Training - Require your teen driver to complete a driver education course in high school.
Defensive Driving Course - Taking part in a driver safety course can save you 5% or more depending on where you live.
Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
Military Rewards - Being deployed with a military unit can result in better rates.
Federal Employees - Simply working for the federal government may qualify you for a discount with select insurance companies.
College Student - Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you won't be that lucky.

For a list of companies with the best car insurance discounts in St Petersburg, click here.

How to know if you need help

When it comes to choosing coverage for your vehicles, there is no "perfect" insurance plan. Every insured's situation is different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Is rental equipment covered for theft or damage?
Do I really need UM/UIM coverage?
Does my insurance cover a custom paint job?
Should I buy only the required Florida minimum liability coverage?

If you can't answer these questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Even more information can be read at the Florida Office of Insurance Regulation website. Consumers can read enforcement actions against agents and companies, find out industry alerts, view a list of available companies, and discover disciplinary actions.

And the best car insurance company is...

When shopping online for car insurance, you should never reduce needed coverages to save money. There are many occasions where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price.

You just learned a lot of techniques to lower your car insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like .