Compare Venice Auto Insurance Prices With These Methods

Are you intimidated by the sheer number of auto insurance options in Venice? Many other drivers are as well. There are so many companies to choose from that it can turn into a real challenge to find lower rates.

It's important to take a look at other company's rates every six months because insurance rates are constantly changing. Even if you got the lowest rates on your last policy you may be paying too much now. So just block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

Comprehensive Venice Auto Insurance Comparison

Effectively comparing auto insurance prices can be challenging if you don't know the fastest way to get free quotes. You could spend your day talking to local insurance agents in Venice, or you can utilize online quoting to get rates in a matter of minutes.

All the larger companies enroll in a system that allows shoppers to send in one quote, and each participating company then gives them pricing for coverage. This system prevents you from having to do form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is that consumers can't choose which companies to receive prices from. If you prefer to choose from a list of companies to request quotes from, we put together a list of low cost auto insurance companies in Florida. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing exactly the same information on every quote you get. If you use higher or lower deductibles it will be next to impossible to determine which rate is truly the best in Venice. Having just a slight variation in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best price.

Venice Rates are Influenced by These Factors

It's important that you understand the rating factors that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Older drivers save more - Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage from fire, or theft. Physical damage deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
More miles equals more premium - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance coverage is rated on the proper vehicle usage.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
Do you need those extra coverages? - There are a ton of extra coverages that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money eliminate the coverages to reduce your premium.
Being married can save on auto insurance - Having a spouse can get you a discount on your auto insurance policy. It means you're more responsible and it's statistically proven that being married results in fewer claims.

Be sure to get all your discounts

Companies don't always list all their discounts in a way that's easy to find, so we break down both well-publicized and the more hidden ways to save on auto insurance.

Save over 55 - Older drivers may be able to get better auto insurance rates.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Discount for New Cars - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Drivers Ed for Students - Require your teen driver to complete a driver education course if it's offered in school.
Driver Safety - Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

For a list of companies who offer auto insurance discounts in Venice, click this link.

Even more information can be found at the Florida Office of Insurance Regulation website. Florida consumers can read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.

Final considerations

When you buy insurance online, it's not a good idea to reduce needed coverages to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at an affordable rate.

Cheaper auto insurance can be purchased online and also from your neighborhood Venice agents, so compare prices from both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Insureds change insurance companies for many reasons like not issuing a premium refund, lack of trust in their agent, delays in paying claims and extreme rates for teen drivers. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.