10 Discounts Thonotosassa Drivers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are lots of people in the same boat. Numerous battle for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest price

It's important to take a look at other company's rates every six months since rates are constantly changing. If you had the lowest price a year ago a different company probably has better rates today. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to find cheap car insurance.

Don't pay full price with these ten discounts

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specifically requested prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates on car insurance.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • New Car Discount - Insuring a new car is cheaper compared to insuring an older model.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Seat Belts Save - Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • No Accidents - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
  • No Charge for an Accident - A few companies will forgive one accident before your rates go up as long as you don't have any claims for a certain period of time.

It's important to note that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, you're out of luck. But any discount will cut your premiums.

Thonotosassa car insurance comparison

The car insurance bait and switch

Consumers get pounded daily by advertisements that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you move to their company.

How do they all make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured could be between the ages of 40 and 55, has no driving citations, and has excellent credit. Any new insured who meets those qualifications receives the best rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate and ends up with business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can make those claims.

Because of the profiling, drivers should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

More information is located on the website for the Florida Office of Insurance Regulation located here. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.

In the end, you save

While you're price shopping online, never skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage and learned later they didn't purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford.

Lower-priced car insurance is possible from both online companies and also from your neighborhood Thonotosassa agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.