Easy Methods to Spend Less on Wimauma Car Insurance

Price shopping your Wimauma car insurance is a challenge for consumers new to comparison shopping online. Drivers have so many options that it can quickly become a challenge to compare prices in Wimauma.

Finding the best rates in Wimauma is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to find better prices and still get good coverage. Florida consumers only need to know the tricks to shop for car insurance online.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you don't get every credit available, you are throwing money away.

Service Members Pay Less - Being deployed with a military unit could mean lower rates.
Employee of Federal Government - Active or retired federal employment could cut as much as 10% off depending on your company.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
Good Students Pay Less - Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance.
New Car Discount - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

You have some control over your rates

Smart consumers have a good feel for the factors that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in much lower annual insurance costs.

Choose a safe vehicle and save - Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
Keep rates low by being claim-free - If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies in Florida generally give discounts to insureds who are claim-free. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
How credit affects car insurance rates - A driver's credit score is a important factor in your rate calculation. If your credit rating is lower than you'd like, you could potentially save money when insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
What type of vehicle do you drive? - The make and model of the car you are insuring makes a big difference in how high your rates are. The lowest rates are generally reserved for small economy passenger cars, but the final cost of insurance is determined by many other factors.
How's your driving record? - Whether or not you get tickets has a big impact on rates. Careful drivers have lower premiums than bad drivers. Even a single moving violation can boost insurance rates by twenty percent. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
Where you reside plays a part - Being located in small towns and rural areas is a positive aspect when it comes to car insurance. Urban drivers tend to have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
Older drivers pay less - Young drivers in Florida are statistically proven to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
Your job and insurance rates - Did you know your job can affect your rates? Occupations such as real estate brokers, social workers and stock brokers tend to have the highest rates because of high stress levels and long work days. On the other hand, occupations such as farmers, students and homemakers receive lower rates.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim about savings if you switch to their company.

But how can every company make the same claim?

Insurance companies can use profiling for the driver that earns them a profit. A good example of a profitable customer could be over the age of 50, is a homeowner, and drives newer vehicles. A customer that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher rates and this can result in business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully claim big savings. This illustrates why drivers should get as many quotes as possible. Because you never know the company that will give you the biggest savings.

Learn more today

Even more information can be read at the Florida Office of Insurance Regulation website. Consumers can find disaster information, download brochures, and find out industry alerts.

Also read more on this page for car insurance prices in Florida and this page of Wimauma insurance agents.

A tidy conclusion

The cheapest car insurance can be found from both online companies and also from your neighborhood Wimauma agents, and you should be comparing both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Drivers switch companies for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, policy cancellation and even high prices. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.