It takes a little time, but the best way to get low-cost car insurance rates in Tampa is to start doing an annual price comparison from companies in Florida. You can compare rates by completing these steps.
- Take a few minutes and learn about how insurance works and the steps you can take to prevent rate increases. Many rating criteria that increase rates such as multiple speeding tickets and a not-so-good credit history can be amended by making lifestyle changes or driving safer. This article gives information to get better rates and get bigger discounts that may have been overlooked.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while independent agents can quote rates from multiple sources. Compare rates
- Compare the new rate quotes to your existing policy and see if you can save money. If you find better rates and buy the policy, make sure there is no lapse in coverage.
- Give notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new agent or company. Once the application is submitted, put the new certificate verifying coverage somewhere easily accessible.
The most important part of shopping around is to make sure you enter the same level of coverage on each quote and and to analyze as many carriers as you can. This guarantees an apples-to-apples comparison and a better comparison of the market.
Anyone knows that auto insurance companies want to keep you from shopping around. People who compare rates once a year will presumably switch auto insurance companies because the odds are good of finding coverage at a cheaper rate. A recent auto insurance study revealed that drivers who shopped around annually saved about $865 a year compared to policyholders who didn’t regularly shop around.
If finding the most affordable Buick Lesabre insurance is the reason you’re here, then having a grasp of how to choose a company and compare car insurance can help make the process easier and more efficient.
Buick Lesabre Insurance Prices Can Be Lower
Multiple criteria are part of the calculation when premium rates are determined. Some factors are common sense such as traffic violations, but some are less apparent such as whether you are married or your commute time.
Shown below are most of the major factors used by insurance companies to determine your premiums.
Save by staying claim free – If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Insurance companies in Florida provide most affordable rates to policyholders who are claim-free. Your car insurance is designed for larger claims.
Save by driving safer vehicles – Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles protect occupants better and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Buick Lesabre is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Save by driving less – Driving a lot of miles in a year the higher your rate. A lot of companies calculate rates based on their usage. Cars and trucks that are left in the garage qualify for better rates compared to those used for work or business. Having an incorrect usage rating on your Lesabre may be costing you higher rates. Make sure your policy shows the correct driver usage, because it can save money.
Drivers with responsible credit save on auto insurance – Your credit rating is a large factor in determining premium rates. Therefore, if your credit score can use some improvement, you may save money insuring your Buick Lesabre by improving your rating. People that have very good credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit scores.
Is car insurance cheaper for males or females? – The statistics show females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Males and females get in fender benders at a similar rate, but men tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving. Male teenagers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Marriage is a factor – Being married helps lower the price compared to being single. It is viewed as being less irresponsible and insurance companies like that married drivers get in fewer accidents.
Affordable Buick Lesabre insurance in Tampa
Insurance is expensive, but you might find some hidden discounts that you may not even know about. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.
- Early Renewal Discounts – A few insurance companies allow discounts for switching companies before your current Lesabre insurance policy expires. This discount can save up to 10%.
- Discounts for Seat Belt Usage – Requiring all passengers to buckle up can save up to 15% on medical payment and PIP coverage.
- Drive Safe and Save – Safe drivers can save up to 40% or more on their Tampa auto insurance quote compared to accident prone drivers.
- Organization Discounts – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
- Discount for New Cars – Putting insurance coverage on a new Lesabre is cheaper due to better safety requirements for new vehicles.
- College Student Discount – Kids who live away from home at college and do not have a car may be able to be covered for less.
- Tampa Homeowners Discount – Being a homeowner can save a few bucks because it requires personal responsibility.
One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.
Larger insurance companies and a selection of discounts are shown below.
- State Farm includes discounts for student away at school, safe vehicle, multiple autos, multiple policy, and passive restraint.
- GEICO offers discounts including daytime running lights, anti-lock brakes, membership and employees, anti-theft, federal employee, five-year accident-free, and air bags.
- Progressive offers premium reductions for multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, and online signing.
- 21st Century offers discounts for student driver, theft prevention, early bird, 55 and older, automatic seat belts, good student, and driver training.
- American Family may have discounts that include defensive driver, mySafetyValet, early bird, multi-vehicle, and accident-free.
- The Hartford has savings for anti-theft, good student, air bag, defensive driver, bundle, vehicle fuel type, and driver training.
- AAA has discounts for multi-policy, good student, pay-in-full, anti-theft, and education and occupation.
Before buying, ask all companies you are considering how you can save money. Discounts may not apply to policies in your state.
Frequent quotes can save
Throughout this article, we presented some good ideas how you can save on Buick Lesabre insurance in Tampa. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. There are a lot of situations where an insured dropped full coverage only to find out that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.
Budget-conscious Buick Lesabre insurance can be sourced both online and with local Tampa insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer rates over the internet and most of the time these regional insurance providers only sell coverage through independent insurance agencies.
Additional information
- Should I Buy a New or Used Car? (Allstate)
- What Insurance is Cheapest for a Honda Accord in Tampa? (FAQ)
- How Much are Tampa Car Insurance Rates for a Ford F-150? (FAQ)
- Who Has Affordable Auto Insurance for High School Students in Tampa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Tampa? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Can I Drive Legally without Insurance? (Insurance Information Institute)