“Welcome to Cheap Car Insurance in Tampa Florida!” That’s what the sign in the window at one of Tampa’s largest car insurance companies says, but you might want to reconsider this claim.
Tampa-based insurance specialist Allstate Insurance Services Inc., which is one of the nation’s biggest and most well known name brands when it comes to auto insurance, has long been a leader when it comes to cheap car insurance. Yet Allstate’s slogan “Protecting You and Your Family” aren’t just lip service. It’s a serious commitment to providing low-cost car insurance for customers in a variety of ways, from the coverage of their policies to how they market them to consumers.
Allstate’s advertising materials tell you about how much money you can save by purchasing a policy from them, but in many cases the savings are far from what they boast. This is because they often offer only certain types of coverage or limit themselves to certain drivers under certain circumstances, leaving out others that would provide a better deal.
The problem with such claims is that they don’t necessarily reflect the value of an insurance policy purchased from any other car insurance company. In fact, when comparing various rates and premiums from different companies, the best way to do so is by comparing apples to apples.
For example, consider the different policies that may be available with one company. If your policy has been purchased through an agent who is also the policyholder, your agent will likely inform you that you are eligible for discounts based on your age, marital status, whether you have a safe driving record, and whether or not you have had any claims paid against you in the past.
Now compare those same different policies with one obtained online or through the phone, with one that offers the same discounts and benefits but without the agent. Of course, these online quotes won’t come from the same companies. You’ll find different terms and rates, varying policies and coverage levels and even a few extra bonuses that may be offered to those with additional coverage.
You can use price comparison websites that will allow you to search a number of different insurers for a single price. This will allow you to see what each insurer has to offer and compare them against each other.
With that information, you can then decide if a cheaper quote is truly better for you when it comes to cheap car insurance in Tampa Florida. and the quality of your coverage. As a result, you’ll be able to purchase a policy that gives you more benefits and more security while still paying less money overall.
To save even more money when buying car insurance, it pays to do your homework. If you look at your current policy and see how much you pay in deductibles, then see if you can find a plan that offers a lower deductible.
Remember, your car insurance rate and premium are based on a number of things. The location of your home, the type and age of your car, and even the age and make of the drivers of your vehicle will all play roles in determining how much you’ll pay. For example, if your car is a small, inexpensive vehicle, you may be eligible for a lower deductible.
By shopping around, you’ll be able to locate car insurance companies that offer discounts for several different drivers. Many auto insurance companies have a minimum deductible that is required for coverage. The higher the deductible, the higher the premium and the lower the rate will be.
By looking at quotes online and finding the right car insurance company, you can take advantage of many different discount programs that can help you save money when purchasing car insurance in Tampa Florida. And, if you’re looking to increase your coverage, look for discounts that could help you get free safety equipment or car alarms.