Quote Lakeland Car Insurance Prices With These Techniques

Cutting costs on Lakeland car insurance is a challenge for beginners to comparison shopping online. You have so many options available that it can easily become a big hassle to find the best price in Lakeland.

It's important to shop coverage around before your policy renews because rates are constantly changing. Just because you found the best rates a couple years back the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance online but we're going to give you some great ways to save money.

How much can you save with discounts?

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Most are applied at quote time, but some may not be applied and must be asked about in order for you to get them. If you aren't receiving every discount available, you're paying more than you need to.

Multi-policy Discount - When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
Claim Free - Claim-free drivers pay less compared to bad drivers.
Memberships - Belonging to a civic or occupational organization is a good way to get lower rates on your policy.
Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
Passive Restraint Discount - Vehicles with factory air bags can qualify for discounts up to 30%.

It's important to note that most discounts do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you're out of luck. But any discount will reduce the amount you have to pay.

To see a list of providers with discount car insurance rates in Lakeland, click here to view.

Cheap Lakeland Car Insurance Comparisons

There are several ways you can shop for car insurance but some are less time-consuming than others. You can waste a lot of time talking about coverages with agents in Lakeland, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and every company can give them a price. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is that you can't choose which carriers you want to price. So if you prefer to pick individual companies for rate comparison, we have assembled a list of car insurance companies in Tennessee. Click here to view list.

It's your choice how you get your quotes, but ensure you're using exactly the same quote information for every company. If you compare mixed coverages it will be impossible to decipher which rate is best in Lakeland.

Tips to Get Lower Lakeland Rates

An important part of buying insurance is that you know the different types of things that play a part in calculating your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get better car insurance rates.

Shown below are some of the items used by your company to calculate your rates.

One company can mean more discounts - Some insurers give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, you still need to compare rates to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.
Do you work long hours in a high stress job? - Occupations like real estate brokers, business owners and dentists have the highest average rates because of high stress and long work hours. Other occupations like farmers, historians and retirees get better rates.
Liability insurance protects assets - Your policy's liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
You might want pay the small claims yourself - If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance companies in Tennessee award cheaper rates to drivers who do not file claims often. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
How's your driving record? - Your driving record has a huge affect on how much you pay. Drivers who don't get tickets have lower premiums than their less careful counterparts. Even one speeding ticket can bump up the cost by twenty percent. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Don't get talked into coverage you don't need - There are quite a few extra bells and whistles you can purchase on your policy. Insurance for vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
Mature drivers pay less - Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Young drivers have a tendency to be less responsible in a vehicle and because of this, their car insurance rates are much higher.
Males pay more for insurance - The statistics show women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. Men and women have accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations such as reckless driving.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't get away from ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads make an identical promise that you can save if you change your coverage to them.

How can each company make the same claim?

Different companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk could be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will be charged more money and ends up with business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save that much money. That's why insurance companies can advertise the way they do.

That is why drivers must compare as many rates as you can. Because you never know the company that will provide you with the cheapest rates.

In the end, you save

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

People leave their current company for a number of reasons such as policy non-renewal, high rates after DUI convictions, questionable increases in premium or extreme rates for teen drivers. It doesn't matter what your reason, choosing a new insurance company is actually quite simple.

Lower-priced car insurance can be sourced from both online companies as well as from independent agents in Lakeland, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies don't offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More information can be read on the Tennessee Department of Commerce and Insurance website located here. Consumers can read consumer alerts, read industry bulletins, and find out which companies have the most complaints.