Proven Ways to Save on Valrico Auto Insurance

No one in their right mind looks forward to paying for auto insurance, in particular when they are paying too much. Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage periodically because prices are constantly changing. Even if you got the best deal a year ago there may be better deals available now. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage in Valrico is quite easy. Florida drivers only need an understanding of the tricks to compare rates over the internet.

Florida auto insurance

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every available discount in a way that's easy to find, so here is a list both well-publicized as well as the least known auto insurance savings. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Early Switch Discount - Some insurance companies reward drivers for switching policies before your current policy expires. It's a savings of about 10%.
  • Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Discount for New Cars - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Club Memberships - Participating in a civic or occupational organization could qualify you for a break on your policy.
  • Discount for Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Driver Safety - Completing a course in driver safety can save you 5% or more depending on where you live.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, companies don't profit that way.

For a list of providers who offer auto insurance discounts in Valrico, follow this link.

How to Get Valrico Auto Insurance Comparison Quotes

Finding a better price on auto insurance can be surprisingly simple. Consumers just need to take the time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

One of the best ways consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form submissions for every auto insurance company. Just one form gets rate comparisons from multiple companies.

A more difficult way to shop for auto insurance online is spending the time to visit each company website and fill out their own quote form. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Valrico, click here.

The least efficient method to get comparison rates is to drive around to local Valrico insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the professional guidance of a local Valrico agent. You can, however, compare online quotes but buy from a local insurance agent. We'll cover that shortly.

Which method you use is up to you, but be sure to compare exactly the same information for each comparison quote. If your comparisons have higher or lower deductibles it's impossible to determine the lowest rate in Valrico.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation may require specific advice.

  • Does my car insurance cover rental cars?
  • Should I buy only the required Florida minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I getting all the discounts available?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, free and can help protect your family.

And the best car insurance company is...

You just read a lot of information how to get a better price on auto insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the lesser-known companies. These companies may often insure only within specific states and give getter rates compared to the large companies like .

While you're price shopping online, it's not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Cost effective auto insurance can be purchased online in addition to many Valrico insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.