7 Best Tips to Lower Car Insurance Costs in Dunnellon

Paying for high-priced car insurance can empty your savings account and put the squeeze on your family's finances. Comparison shopping is a smart way to lower your monthly bill.

Because there are so many different company options, it's nearly impossible to pick the most cost effective car insurance company.

It's important to price shop coverage quite often since rates are constantly changing. Just because you found the best price on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you're about to learn the quickest way to eliminate unnecessary coverages and save money.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about prior to getting the savings.

Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
55 and Retired - Mature drivers may receive a discount up to 10%.
Own a Home - Owning a house in Dunnellon may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Discount for Swiching Early - Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
Driver's Ed - Have your child complete a driver education course if offered at their school.
Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies with discount car insurance rates in Florida, follow this link.

Free Dunnellon Car Insurance Quotes

The are a couple different ways to compare rate quotes from local Dunnellon car insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

The best way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method eliminates the need for separate quote forms for every car insurance company. One form gets you price quotes from many national carriers.
A different way to shop for car insurance online requires a trip to the website for each individual company to complete their respective quote request forms. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Dunnellon, click here.
The least efficient way of getting rate comparisons is driving to different Dunnellon agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance of a local Dunnellon agent. You can, however, obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

Which method you use is up to you, but make darn sure you compare apples-to-apples quote information on every quote you get. If you are comparing mixed coverages then you won't be able to determine which rate is truly the best in Dunnellon. Just a small difference in coverages may result in large price differences. And when comparison shopping, comparing more company's prices gives you a better chance of getting a better price.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is rental equipment covered for theft or damage?
Is my nanny covered when driving my vehicle?
Am I covered if I wreck a rental car?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to say the same thing about savings if you change your policy. But how can every company make the same claim? It's all in the numbers.

All companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured could be a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the savings.

Because of the profiling, drivers must quote coverage with many companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

Do the work, save more money

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best price.

Cheaper car insurance can be sourced from both online companies in addition to many Dunnellon insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional information can be found on the website for the Florida Office of Insurance Regulation found here. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, report car insurance fraud, and file complaints about a company.

Additional helpful sites include Wikipedia and this page where you can research Dunnellon insurance agents.