Rock Solid Methods for Comparing Cheap Tallahassee Florida Auto Insurance

Sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other Florida consumers. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

You need to compare rates periodically because prices are adjusted regularly by insurance companies. Just because you had the lowest rates a year ago you can probably find a lower rate today. So forget all the misinformation about auto insurance because you’re going to learn the only way to lower your annual insurance bill.

If you have a policy now or are looking for a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Buying car insurance in Tallahassee is not that difficult. Florida drivers only need to know the tricks to buy auto insurance online.

Do you qualify for a discount?

Car insurance companies don’t necessarily list all available discounts very clearly, so we break down both well-publicized as well as the least known savings tricks you should be using. If you’re not getting every credit available, you’re paying more than you need to.

• Homeowners Discount – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
• Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
• Save over 55 – Mature drivers may receive a small decrease in premiums.
• Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
• No Claims – Good drivers with no accidents pay less compared to frequent claim filers.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.

Drivers should understand that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To see a list of companies offering auto insurance discounts in Tallahassee, click this link.

Free Tallahassee Auto Insurance Quotes

Finding a better price on auto insurance can be relatively painless. You just need to invest a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The fastest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms to each individual auto insurance company. Just one form gets rate comparisons from multiple low-cost companies.

A harder way to obtain and compare quotes online consists of visiting each individual company website to request a price quote. For instance, we’ll assume you want comparison quotes from Nationwide, State Farm and Allstate. You would have to visit each site to input your insurance information, which is why the first method is more popular.

For a handy list of car insurance company links in Tallahassee, click here.

The least recommended method to get comparison rates to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance of a local Tallahassee agent. It is possible to comparison shop your insurance online but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, double check that you are using the exact same coverage limits for every company. If you compare differing limits it will be very difficult to make a fair comparison in Tallahassee.

When should I use an insurance agent?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Will my rates increase for filing one claim?
• Why am I required to get a high-risk car insurance policy?
• Is my custom paint covered by insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• Can I afford low physical damage deductibles?
• How much liability coverage do I need in Florida?
• How high should my medical payments coverage be?
• Do I really need UM/UIM coverage?
• Do I have coverage when making deliveries for my home business?
• Am I getting all the discounts available?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

A little work can save a LOT of money

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many cases where drivers have reduced liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Lower-priced auto insurance is definitely available from both online companies as well as from independent agents in Tallahassee, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.