7 Tricks to Save on Car Insurance in Tequesta, FL

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say many Tequesta consumers feel financially strained by their car insurance policy. Popular companies such as State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you have a current car insurance policy or need a new policy, you can learn to get lower rates while maintaining coverages. Finding the best rates in Tequesta is quite easy. Florida drivers only need an understanding of the most effective way to shop for car insurance over the internet.

These seven discounts can lower your rates

Companies don't list all available discounts in a way that's easy to find, so we took the time to find both the well known and the harder-to-find car insurance savings. If you aren't receiving every discount possible, you are throwing money away.

  • Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Home Discount - If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Early Switch Discount - Select companies give a discount for buying a policy prior to your current policy expiring. It's a savings of about 10%.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.

Consumers should know that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

car insurance in Tequesta

Are you falling for claims of savings?

Consumers in Florida get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies say the same thing of big savings after switching to them.

How can each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer might be a mature driver, has no driving citations, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements must pay a higher premium which usually ends up with the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save money. That's the way insurance companies can confidently claim big savings. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Learn more about Florida car insurance

More tips and info about car insurance can be found at the Florida Office of Insurance Regulation website. Visitors are able to find disaster information, report car insurance fraud, learn about insurance regulations, and view a list of available companies.

In the end, you save

Cost effective car insurance can be bought both online and with local Tequesta insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

We just covered a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more companies you get rates for, 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 smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .