It’s a fact that auto insurance companies want to keep you from shopping around. Insureds who shop around at least once a year are inclined to move their business because there is a high probability of finding a policy with better rates. A survey found that people who shopped around saved an average of $70 a month as compared to drivers who never shopped around.
If finding low prices for Pontiac Grand Prix insurance in Orlando is the reason you’re reading this, then having a good understanding how to shop for coverage rates can help you succeed in saving money.
The recommended way to get budget Pontiac Grand Prix insurance is to regularly compare quotes from insurance carriers who can sell car insurance in Orlando. This can be done by following these steps.
Step 1: Try to learn a little about individual coverages and the factors you can control to keep rates in check. Many rating criteria that drive up the price such as inattentive driving and a poor credit score can be remedied by making lifestyle changes or driving safer.
Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agents can quote rates for many different companies. Compare rates now
Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
Step 4: Give notification to your agent or company to cancel your current car insurance policy. Submit the completed application along with a down payment for your new policy. Don’t forget to put the new certificate verifying coverage in your vehicle.
One important bit of advice is to try to compare similar limits and deductibles on each quote and to quote with as many carriers as you can. Doing this ensures the most accurate price comparison and a complete selection of prices.
Buying the cheapest insurance in Orlando is actually quite simple. If you have a current insurance policy, you should be able to find better prices using the tips covered below. Although Florida car owners can benefit from knowing how the larger insurance companies market insurance on the web because rates are impacted by many factors.
Find More Affordable Insurance with These Tips
Part of the insurance buying process is learning some of the things that play a part in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower premium levels.
The factors shown below are just a few of the factors that factor into rates.
- Higher coverage deductibles are cheaper – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered could be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more of the claim you pay before a claim is paid (deductible), the less your insurance will be.
- Your gender affects premiums – Statistics demonstrate that women are safer drivers than men. It does not mean females are better at driving than males. Males and females are in accidents in similar numbers, but the men get into accidents with more damage. They also get ticketed for serious violations like reckless driving and DUI.
- Save money by having multiple policies – Some insurance companies give better rates for people that purchase more than one policy. It’s known as a multi-policy discount. The discount can be as much as ten percent or more Even though this discount sounds good, drivers will still want to get quotes from other companies to make sure you are getting the best deal.
- Incidental coverages that aren’t used – Insurance policies have a lot of additional coverages that you can get tricked into buying when buying insurance. Coverage for things like replacement cost coverage, better glass coverage, and term life insurance are some examples. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money remove them and pocket the money.
Get cheaper rates with discounts
Properly insuring your vehicles can get expensive, but you can get discounts that you may not even know about. Most are applied at quote time, but less common discounts must be asked about before being credited.
- Telematics Data – Insureds that choose to allow data collection to analyze when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they are good drivers.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
- Theft Deterrent System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Discounts for Safe Drivers – Insureds who avoid accidents may save up to 50% more compared to accident prone drivers.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
- Passenger Safety Discount – Cars that have air bags may get savings of 20 to 30 percent.
- Drive Less and Save – Maintaining low annual mileage could earn cheaper premium rates.
- Professional Organizations – Having an affiliation with a civic or occupational organization in Orlando could earn you a nice discount when shopping for car insurance.
- Early Switch Discount – Some companies give discounts for signing up before your current Grand Prix insurance policy expires. You can save around 10% with this discount.
- Braking Control Discount – Cars with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
Remember that many deductions do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. Even though the math looks like you can get free auto insurance, that’s just not realistic.
To find providers with the best discounts in Florida, click here.
In conclusion
People who switch companies do it for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, policy non-renewal or an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching insurance companies is not as difficult as it may seem.
In this article, we presented many ways to compare Pontiac Grand Prix insurance premium rates in Orlando. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the most savings is with a company that doesn’t do a lot of advertising.
Cheaper Pontiac Grand Prix insurance in Orlando can be purchased from both online companies as well as from independent agents in Orlando, so you need to quote Orlando auto insurance with both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and these smaller companies prefer to sell through independent agents.
Additional resources
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Auto Insurance 101 (About.com)
- Keeping Children Safe in Crashes Video (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)
- Older Driver Statistics (Insurance Information Institute)