Buy Lakeland Florida Car Insurance Like a Scrooge

Buy Lakeland Florida Car Insurance Like a Scrooge

Are you sick and tired of robbing Peter to pay Paul to insure your vehicles every month? You’re in the same situation as millions of other consumers.

Because you have many insurance providers from which to choose, it’s nearly impossible to locate the lowest price provider.

It’s a good habit to compare rates periodically because prices go up and down regularly. If you had the best price two years ago you may be paying too much now. Don’t believe everything you read about car insurance on the internet, so with this article, you’re going to get some great ways to save money.

Smart Buyers can Save Money

Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get big savings.

Shown below are some of the factors that factor into your rates.

  • Better credit scores mean better rates – Your credit rating is a large factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit. If your credit rating can use some improvement, you could save money insuring your by repairing your credit.
  • Mature drivers pay less – Teenage drivers in Florida have a tendency to be more careless when driving so they pay higher car insurance rates. Having to add a young driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Don’t let your coverage lapse – Allowing your coverage to lapse is a quick way to pay more for car insurance. Not only will you pay more, getting caught without coverage will get you a steep fine or even jail time.You may have to file a SR-22 with the Florida department of motor vehicles.
  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you if you are found liable for damages caused by your negligence. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Women pay lower rates – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women cause accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • Marriage pays dividends – Getting married can actually save you money on car insurance. Marriage translates into being more mature and statistics show married drivers get in fewer accidents.
  • Where you live is a factor – Residing in a small town is a positive aspect when insuring your vehicles. Urban drivers have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Don’t buy coverages you don’t need – There are many extra coverages you can purchase on your policy. Insurance for vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.

Compare Lakeland Car Insurance Costs

All major car insurance companies quote prices for coverage directly from their websites. Getting online quotes is quite simple as you just enter the coverage amounts you desire as detailed in the form. After you submit the form their rating system orders information on your driving record and credit history and quotes a price. This makes it a lot easier to compare rates but the process of having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.Florida insurance cheap

A less time-consuming method to lower your car insurance bill uses one simple form that analyzes rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much more enjoyable. After sending your information, it is rated with multiple companies and you can pick any of the quotes that you receive.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you replicate the coverages as close as possible to your current policy. This ensures you will be getting rate quotes using the same coverage and limits.

Are you getting all your discounts?

Car insurance can cost a lot, but there could be available discounts that you may not know about. Most are applied when you purchase, but some may not be applied and must be inquired about before you get the savings.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To choose companies with discount car insurance rates in Florida, click here to view.

More information is located on the website for the Florida Office of Insurance Regulation through this link. Visitors are able to find out which companies have the most complaints, discover disciplinary actions, file complaints about an insurance agent or broker, and find a variety of consumer forms.

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Also read more on’s auto insurance page and this link which helps you find a Lakeland agent.

More effort can pay off

Cheaper car insurance is possible online and also from your neighborhood Lakeland agents, and you need to price shop both to have the best selection. A few companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

You just learned many tips how you can compare car insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with the smaller companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.