Car Insurance in Tarpon Springs, FL - 9 Tips to Save Money

No one in their right mind cherishes buying car insurance, especially when the cost is way too high. Numerous battle to insure your vehicles, and it can be difficult to compare rates to get the lowest price

If you have a current car insurance policy or need a new policy, you can follow these tips to find the best rates and still get good coverage. Buying car insurance in Tarpon Springs is easy if you know what you're doing. Florida vehicle owners just need to know how to get comparison quotes over the internet.

car insurance in Tarpon Springs

Automobile Insurance Quotes in Tarpon Springs, FL

Cutting your Tarpon Springs car insurance rates is surprisingly easy. Just take time to compare quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

  • The recommended way to find low rates is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form entry for each company. A single form gets rate comparisons direct from many companies.
  • A different way to compare rate quotes is spending the time to visit the website for every company you want to comare to complete a price quote. For examples sake, we'll assume you want to compare , and . You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Tarpon Springs, click here.

Whichever way you use, make absolute certain that you use the exact same information with each company. If the quotes have higher or lower deductibles it's impossible to make an equal comparison in Tarpon Springs.

Take advantage of discounts

Companies don't list all available discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known car insurance savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Driver Safety - Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Auto/Home Discount - When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, companies wouldn't make money that way.

To see a list of insurers who offer car insurance discounts in Tarpon Springs, follow this link.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is a little different so your insurance needs to address that. These are some specific questions might point out whether your personal situation could use an agent's help.

  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

More detailed Florida car insurance information can be found at the Florida Office of Insurance Regulation website. Consumers can discover disciplinary actions, find out industry alerts, file complaints about an insurance agent or broker, and report car insurance fraud.