Do you want to save money by buying more affordable Chevy Spark EV insurance in Tampa? Nobody I know likes having to buy auto insurance, especially when their premiums are too high.
A recent survey discovered that the vast majority of consumers have remained with the same auto insurance company for a minimum of four years, and practically 40% of auto insurance customers have never compared quotes from other companies. With the average premium in Florida being $2,158, drivers could save an average of nearly $1,100 each year by just comparing quotes, but they mistakenly think it’s difficult to shop their coverage around.
Steps to finding discount Chevy Spark EV insurance in Tampa
The best way we recommend to find affordable quotes for car insurance rates in Tampa is to regularly compare price quotes from companies who sell auto insurance in Florida.
Step 1: Take a few minutes and learn about the different coverages in a policy and the things you can control to lower rates. Many things that increase rates like getting speeding tickets and an unacceptable credit history can be amended by making lifestyle changes or driving safer.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple companies.
Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key aspect of shopping around is to compare identical coverage information on every quote request and to quote with as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and plenty of rates choose from.
Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the lowest cost out there.
It is always a good idea to compare premium rates periodically because auto insurance rates are variable and change quite frequently. Just because you found the best premium rates on Chevy Spark EV insurance in Tampa six months ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.
If you have a current car insurance policy or need a new policy, you can learn to reduce premiums and possibly find even better coverage. Buying the cheapest car insurance in Tampa is quite easy if you know the best way to do it. Consumers just have to learn the fastest way to shop for car insurance online.
Verify you’re earning every discount
Companies that sell car insurance don’t necessarily list every discount very well, so we took the time to find both well-publicized as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount possible, you could be saving more on your car insurance.
- Discount for Low Mileage – Fewer annual miles on your Chevy may enable drivers to earn substantially lower prices.
- Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Paperless Signup – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
- Save over 55 – Drivers that qualify as senior citizens are able to get a discount up to 10%.
- ABS Brakes – Vehicles with ABS and/or traction control are safer to drive and the ABS can save up to 10%.
- Accident Waiver – Not really a discount, but some insurance companies will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
- Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
Discounts lower rates, but some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
Large car insurance companies and a partial list of their discounts are outlined below.
- GEICO has savings for driver training, good student, federal employee, anti-lock brakes, five-year accident-free, and defensive driver.
- SAFECO offers premium reductions for multi-car, safe driver, anti-theft, homeowner, drive less, teen safe driver, and accident prevention training.
- State Farm may include discounts for student away at school, passive restraint, Steer Clear safe driver discount, multiple policy, and anti-theft.
- MetLife may have discounts that include good student, claim-free, good driver, defensive driver, accident-free, multi-policy
- 21st Century may offer discounts for driver training, anti-lock brakes, automatic seat belts, student driver, air bags, and 55 and older.
- Progressive includes discounts for good student, homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, and multi-policy.
When getting free Tampa car insurance quotes, it’s a good idea to every company the best way to save money. Some discounts listed above may not apply everywhere. To see car insurance companies with the best discounts in Tampa, click here to view.
Most major insurance companies allow consumers to get insurance quotes from their websites. The process is pretty easy as you simply enter your personal and coverage information as requested by the quote form. When the form is submitted, the system collects reports for credit and driving violations and gives you a price quote determined by many factors. The ability to get online rate quotes for Chevy Spark EV insurance in Tampa makes it simple to compare prices and it’s also necessary to do this in order to get the lowest payment on auto insurance.
To compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you copy the coverage information identical to your current policy. This ensures you will have a rate comparison based on identical coverages.
The following companies have been selected to offer comparison quotes in Tampa, FL. To find the cheapest car insurance in Tampa, we suggest you click on several of them in order to find the cheapest rates.
How do I know if I need professional advice?
When quoting and comparing coverage online or from an agent for your vehicles, there is no best way to insure your cars. Every situation is different and your car insurance should unique, too.
Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.
- Can I use my car for my catering business?
- Am I covered if I break a side mirror?
- When should I have rental car coverage?
- Do I have coverage if my license is suspended?
- Is my babysitter covered when using my vehicle?
- How can I get the company to pay a claim?
- Why are teen drivers so expensive to add on to my policy?
- At what point should I drop full coverage?
- Is there coverage for my trailer?
- Can I still get insurance after a DUI?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
What if I want to buy from local Tampa insurance agents?
A small number of people still prefer to talk to a local agent and that is not a bad decision Professional insurance agents are trained risk managers and help file insurance claims. The best thing about comparing rates online is that you can find the lowest rates but still work with a licensed agent. Buying from and supporting small agencies is especially important in Tampa.
For easy comparison, once you complete this quick form, your insurance coverage information gets sent to participating agents in Tampa who will give you quotes for your business. You don’t have to find an agent because prices are sent directly to you. If you need to compare rates from one company in particular, you would need to navigate to their website and give them your coverage information.
Listed below are agents in Tampa that may be able to provide price quotes for Chevy Spark EV insurance in Tampa.
Mike Foley – State Farm Insurance Agent
3704 W Swann Ave – Tampa, FL 33609 – (813) 289-7888 – View Map
Buhl Insurance Agency
2935 W Hillsborough Ave – Tampa, FL 33614 – (813) 876-0057 – View Map
Northside Insurance Agency
14009 N Dale Mabry Hwy – Tampa, FL 33618 – (813) 960-5225 – View Map
Insurance Office of America
4915 W Cypress St – Tampa, FL 33607 – (888) 269-6019 – View Map
Finding the right insurer is decision based upon more than just a cheap quote. Any agent in Tampa should be forthright in answering these questions:
- Which companies do they recommend if they are an independent agency?
- Do you need full coverage on every vehicle?
- Can they provide you with a list of referrals?
- Does the agent help file claims?
- Is the agency involved in supporting local community causes?
- Where would glass claims be handled in Tampa?
- Do they prorate repair cost based on vehicle mileage?
- Can they help ensure a fair claim settlement?
If you feel you receive satisfactory answers for all questions you ask and a low price estimate, you have narrowed it down to an provider that can be trusted to provide auto insurance coverage. Just understand that once you purchase a policy you can cancel coverage whenever you wish so don’t feel that you’re stuck with the auto insurance policy with no way to switch.
Florida car insurance company ratings
Selecting the right car insurance company can be a challenge considering how many companies there are in Tampa. The rank data in the lists below can help you select which car insurance providers you want to consider when looking for cheaper rates.
Top 10 Tampa Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Quote more to save more
Some companies may not offer rate quotes online and most of the time these regional insurance providers work with local independent agencies. Cheap Chevy Spark EV insurance in Tampa is attainable online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.
As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your objective should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Throughout this article, we presented some good ideas how you can shop for Chevy Spark EV insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. Drivers may even discover the biggest savings come from a small mutual company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Progressive or GEICO.
Steps to buying affordable Chevy Spark EV insurance in Tampa
If you want to save the most money, the best way to get low-cost Chevy Spark EV insurance in Tampa is to make a habit of comparing prices annually from insurance carriers that sell auto insurance in Florida.
First, it will benefit you to learn about what coverages are included in your policy and the steps you can take to prevent rate increases. Many risk factors that cause high rates like traffic violations and a substandard credit score can be amended by being financially responsible and driving safely.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for many different companies.
Third, compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure there is no lapse in coverage.
A crucial key to this process is to use similar deductibles and liability limits on each price quote and and to look at every company you can. Doing this enables a fair price comparison and maximum price selection.
Additional articles
- Alcohol Impaired Driving FAQ (iihs.org)
- What Insurance is Cheapest for Veterans in Tampa? (FAQ)
- Who Has Affordable Auto Insurance Quotes for 18 Year Olds in Tampa? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Tampa? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Tampa? (FAQ)
- Winter Driving (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- What is Gap Insurance? (Insurance Information Institute)