Unbelievably, most car insurance buyers have remained with the same car insurance company for well over three years, and almost half have never compared quotes from other companies. Florida consumers could cut their rates by about $1,100 a year, but they don’t know the rate savings if they switched to a cheaper policy.
If you want to save the most money, the best way to quote cheaper car insurance rates is to compare prices at least once a year from different companies who provide auto insurance in Tampa.
- Step 1: Get a basic knowledge of how companies set rates and the steps you can take to lower rates. Many rating criteria that result in higher rates such as accidents, traffic violations, and a low credit score can be controlled by making small lifestyle or driving habit changes.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can provide prices from many different companies.
- Step 3: Compare the new quotes to your current policy premium to see if cheaper Baja coverage is available. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is that you’ll want to make sure you compare the same coverage limits and deductibles on every price quote and and to get rate quotes from as many companies as possible. This helps ensure an accurate price comparison and plenty of rates choose from.
Getting more affordable Subaru Baja insurance pricing isn’t really that difficult. The only thing you need to do is take the time to compare rates from different insurance companies.
Doing price comparisons online is so simple that it makes it obsolete to drive around to different Tampa agent offices. Buying insurance online has reduced the need for local agents unless you want the personal advice of an agent trained in personal lines coverage. Drivers can obtain prices from the web but have a local agent actually write the policy.
The car insurance companies shown below can provide free quotes in Tampa, FL. If you wish to find cheaper car insurance in Florida, it’s highly recommended you visit several of them to get the most competitive price.
Compare rates but still have a local neighborhood Tampa car insurance agent
Many drivers just want to sit down and talk to an agent and that can be a smart move Professional agents are very good at helping people manage risk and help file insurance claims. The best thing about comparing rate quotes online is you can get cheap auto insurance rates and still have a local agent.
By using this form (opens in new window), your coverage information is sent to companies in Tampa who can give free rate quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies because quoted prices will be sent immediately to your email address. If you need to compare prices for a specific company, you just need to navigate to their website and give them your coverage information.
Finding the right insurer needs to be determined by more than just a cheap price. You should also get answers to these questions.
- Are they in the agency full-time?
- Does the agency have a current Errors and Omissions policy?
- Will the agent help in case of a claim?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they have 24-hour customer assistance?
- Will they make sure you get an adequate claim settlement?
If you need to find a local agent, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Auto insurance agents in Tampa may be either independent (non-exclusive) or exclusive. Both can write auto insurance policies, but it’s worth mentioning the differences because it may have an impact on your selection of an agent.
These agents can usually just insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on sales techniques which helps them compete with independent agents.
The following are exclusive insurance agencies in Tampa who can help you get price quotes.
Independent Agencies or Brokers
These type of agents are not limited to a single company so they can quote policies with an assortment of companies and find you cheaper rates. If prices rise, they can switch companies in-house and the insured can keep the same agent. If you need cheaper auto insurance rates, it’s recommended you compare quotes from several independent agencies so that you can do a thorough price comparison.
Listed below are independent insurance agents in Tampa that are able to give price quote information.
Tampa auto insurance companies ranked
Buying coverage from the top car insurance provider is difficult considering how many companies there are in Tampa. The company ratings in the next section may help you analyze which auto insurers to look at purchasing a policy from.
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+
Top 10 Tampa Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance