It takes a little time, but the best way to get low-cost Hyundai Veloster insurance is to make a habit of comparing prices annually from companies in Tampa. Rates can be compared by completing these steps.
- Take a few minutes and learn about how companies price auto insurance and the things you can control to prevent high rates. Many rating factors that result in higher rates like speeding and a bad credit rating can be improved by making small lifestyle or driving habit changes.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
- Compare the new rates to your current policy premium to determine if you can save on Veloster insurance in Tampa. If you find a better price, make sure coverage is continuous and does not lapse.
- Tell your current agent or company of your intent to cancel your current policy. Submit the required down payment along with the signed application for your new coverage. As soon as you have the new policy, place your new certificate of insurance with your vehicle’s registration.
An important part of this process is to use identical limits and deductibles on every quote and and to look at every insurance company. This enables a level playing field and a thorough selection of prices.
Unbelievable but true, a large majority of insurance policyholders in Florida kept their policy with the same company for at least the last four years, and just short of a majority have never compared quotes from other companies. Drivers in the U.S. could save themselves as much as $860 a year by just comparing rate quotes, but they just feel it’s too hard to shop around.
If you currently have auto insurance, you stand a good chance to be able to reduce the price you pay using this strategy. Locating the best insurance company for you in Tampa is actually very simple if you learn how to start. But Florida vehicle owners need to have an understanding of how insurance companies determine how much to charge and use it to your advantage.
It’s important to know that comparing a large number of companies helps improve the odds of finding the best price.
The following companies are our best choices to provide free quotes in Tampa, FL. If you want cheap auto insurance in Tampa, we suggest you visit as many as you can to get the most affordable price.
Independent versus exclusive car insurance agents
Many people just prefer to get advice from a local agent and that can be a smart move One of the benefits of comparing car insurance online is the fact that drivers can get cheap rate quotes and still buy from a local agent. Putting coverage with neighborhood agents is definitely important in Tampa.
After completing this form (opens in new window), the quote information is sent to agents in your area who will return price quotes for your car insurance coverage. You won’t need to leave your computer because quoted prices will be sent to you instantly. You can find better rates and an insurance agent to talk to. In the event you want to compare prices from a specific company, you just need to visit that company’s website and complete a quote there.
Exclusive or Independent: There is a difference
If you would like to find a local agent, there are two different agency structures from which to choose. Car insurance policy providers can be described as either exclusive or independent agents depending on their company appointments.
Independent Agents
Independent insurance agents are not locked into one company so they can quote policies through many companies and possibly get better coverage at lower prices. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent.
If you are comparing rate quotes, it’s a good idea to contact a couple of independent agencies so that you can do a thorough price comparison.
Below is a small list of independent insurance agents in Tampa who can help you get rate quotes.
GreatFlorida Insurance – Ceci Wise
1719 W Fletcher Ave – Tampa, FL 33612 – (813) 849-0125 – View Map
Central Florida Insurance Agency of Town ‘N’ Country
7753 W Waters Ave – Tampa, FL 33615 – (813) 885-2900 – View Map
Italiano Insurance Services, Inc.
3021 W Swann Ave – Tampa, FL 33609 – (813) 877-7799 – View Map
Exclusive Car Insurance Agencies
These type of agents have only one company to place business with and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates.
Shown below are exclusive insurance agents in Tampa that are able to give comparison quotes.
Lang Adams – State Farm Insurance Agent
5051 Memorial Hwy – Tampa, FL 33634 – (813) 243-1300 – View Map
Allstate Insurance: John Fox
4941 E Busch Blvd Ste 150 – Tampa, FL 33617 – (813) 985-3889 – View Map
State Farm: Stan White
3204 Cove Bend Dr – Tampa, FL 33613 – (813) 971-1123 – View Map
Selecting a car insurance agent needs to be determined by more than just the quoted price. Any agent in Tampa should be willing to answer these questions.
- Will they give you a referral list?
- How much training do they have in personal risk management?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Where are claims handled?
- Is auto insurance their primary focus in Tampa?
- Will the agent help in case of a claim?
Florida car insurance company ratings
Ending up with a highly-rated car insurance provider is difficult considering how many choices you have in Tampa. The company ratings shown below can help you decide which companies you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies