Tightwads Guide for Saving on Zellwood Auto Insurance

Expensive auto insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is a smart way to tighten up your finances. Online insurance companies like GEICO and Progressive all claim big savings with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.

These discounts can lower your rates

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for before you get the savings. If you aren't receiving every discount you deserve, you are throwing money away.

  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Student in College - Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Own a Home - Owning a home in Zellwood may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Claim Free - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • Driver Safety - Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will reduce the cost of coverage.

Different people need different coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you would benefit from professional advice.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Zellwood?
  • Does my policy cover my teen driver if they drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • Is rental equipment covered for theft or damage?
  • Do I really need UM/UIM coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Florida drivers get pounded daily by advertisements for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies say the same thing about savings after switching your coverage to them.

How can each company say the same thing?

Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, insures multiple vehicles, and has great credit. A propective insured who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements must pay a higher premium which usually ends up with business not being written. The ads state "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the savings.

This illustrates why you should quote coverage with many companies. It's not possible to predict which insurance companies will give you the biggest savings.

More sites with auto insurance information

Additional information is located on the website for the Florida Office of Insurance Regulation located here. Florida drivers can report car insurance fraud, read enforcement actions against agents and companies, read industry bulletins, and discover disciplinary actions.

Zellwood auto insurance comparison

Best coverage at the best price

Cheap auto insurance can be sourced on the web as well as from independent agents in Zellwood, and you need to price shop both to have the best selection. There are still a few companies who don't offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability coverage limits only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.