Proven Techniques for Getting Low-Cost Largo, FL Car Insurance
Are you a victim of overpriced car insurance? Believe me, there are many people just like you. Because there are so many choices, it is hard for the average consumer to locate the best provider.
The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you will be able to save some money using this strategy. Florida consumers only need an understanding of the tricks to get comparison rates online.
How to Get Cheap Car Insurance in Largo, Florida
Reducing your insurance rates can be relatively painless. You just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.
- One of the simplest ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do repetitive form entry for every car insurance company. Taking the time to complete one form will get you rate comparisons direct from many companies.
- A more difficult way to get comparison quotes requires you to visit the website for every company you want to comare to complete a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, Farmers and GMAC. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in Largo, click here.
- The least efficient method of comparing rate quotes is to waste gas driving to different Largo agent offices. Shopping for car insurance online can eliminate the need for a local agent unless you require the professional advice of a local Largo agent. Drivers can comparison shop your insurance online but buy from a local insurance agent and we’ll cover that in a bit.
Whichever way you use, ensure you are comparing the exact same coverages with every price quote. If each company quotes different values for each quote it will be next to impossible to truly determine the lowest rate in Largo.
Are you getting all your discounts?
Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Some trigger automatically at the time of purchase, but a few must be specifically requested in order for you to get them. If you don’t get every credit available, you are throwing money away.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less than less cautious drivers.
- Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Accident Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
- Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.
To choose insurance companies with the best car insurance discounts in Largo, click here.
To find out more about Florida car insurance
Much more information about car insurance in Florida can be read on the website for the Florida Office of Insurance Regulation found here. Consumers can file complaints about a company, read enforcement actions against agents and companies, download brochures, and find disaster information.