Naples Auto Insurance For Less Than You're Paying Now

Finding better rates for Naples auto insurance is challenging for consumers new to shopping for insurance online. There are so many choices that it can easily become more work than you anticipated to find lower rates in Naples.

If you are insured now or need a new policy, you can learn to get lower rates while maximizing coverage. Shopping for affordable auto insurance coverage in Naples is easy if you know what you're doing. New York drivers only need an understanding of the tricks to shop their coverage around online.

More discounts equal less premium

Companies don't list every discount in a way that's easy to find, so we researched some of the best known and the more hidden auto insurance savings. If you aren't receiving every discount available, you are throwing money away.

  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Accident Free - Claim-free drivers pay much less when compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings - Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

It's important to understand that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, it doesn't quite work that way.

Switch companies and save? Really?

New York drivers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. They all say the same thing of big savings if you move to them.

How can each company say the same thing?

Different companies can use profiling for the type of driver that earns them a profit. For instance, a driver they prefer might be profiled as over the age of 50, is a homeowner, and has great credit. A propective insured who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted higher prices which usually ends up with business not being written. The ads say "people who switch" not "everyone that quotes" save money. That's why insurance companies can confidently advertise the savings. This emphasizes why you should compare many company's rates. It's not possible to predict the company that will fit your personal profile best.

More tips and info about auto insurance is located at the New York Department of Financial Services website. New York drivers can find a variety of consumer forms, read industry bulletins, and download brochures.

Best coverage at the best price

Consumers who switch companies do it for many reasons like being labeled a high risk driver, high rates after DUI convictions, extreme rates for teen drivers and even high prices. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.

Throughout this article, we presented a lot of tips how to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from an unexpected company.

When you buy insurance online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.