How to Compare Tampa Chevy Sonic Insurance

A study showed that nearly 70% of drivers kept their coverage with the same insurance company for well over three years, and 38% of customers have never quoted insurance rates at all. Drivers in Tampa could save roughly $1,100 a year by just comparing quotes, but they underestimate the amount of savings they would get if they changed companies.

Discount Chevy Sonic insuranceThe preferred way to find low-cost car insurance rates is to compare prices at least once a year from companies in Tampa. Price quotes can be compared by completing these steps.

First, take a little time to learn about the different coverages in a policy and the factors you can control to prevent high rates. Many rating factors that drive up the price such as traffic violations, accidents, and a substandard credit score can be controlled by making lifestyle changes or driving safer. Read the full article for instructions to help find cheaper rates and find more discounts that you may not know about.

Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies. Find a Tampa insurance agent

Third, compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate, make sure there is no coverage gap between policies.

Fourth, provide adequate notice to your current company of your intent to cancel your current coverage and submit payment and a signed application for the new policy. As soon as you have the new policy, store the certificate of insurance along with your vehicle registration.

One key aspect of rate comparisons is to make sure you’re comparing the same liability limits and deductibles on every quote and and to look at as many auto insurance providers as possible. This ensures a level playing field and maximum price selection.

Tampa Insurance Rates are Influenced by These Factors

Many factors are part of the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but some are more obscure like your continuous coverage or how safe your car is. Part of the auto insurance buying process is learning a few of the rating criteria that are used to determine your premiums. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The factors shown below are some of the most common factors companies use to determine your rate level.

The following companies can provide price quotes in Tampa, FL. If multiple companies are listed, we recommend you visit several of them to get the most affordable price.

Choosing the best Chevy vehicle insurance in Florida is an important decision

Despite the high cost, buying insurance is mandatory in Florida but it also protects more than you think.

The benefits of having insurance more than offset the price you pay, particularly for liability claims. The average driver in Florida is currently overpaying as much as $855 a year so we recommend shopping around every year to ensure rates are competitive.

Car insurance policy discounts for Chevy Sonic insurance in Tampa

Car insurance is expensive, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you complete an application, but less common discounts must be requested specifically before being credited. If you do not check that you are getting every discount you deserve, you could be saving more on your car insurance.Car insurance discounts

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

A few of the larger companies and a partial list of their discounts are:

When quoting, ask each insurance company which discounts can lower your rates. All car insurance discounts may not apply to policies in every state. To find insurance companies that offer some of these discounts in Tampa, click here to view.

Do I need an insurance agent?

Certain consumers would rather buy from a licensed agent and doing so can bring peace of mind Most agents are highly skilled in risk management and will help you if you have claims. A good thing about comparing rate quotes online is that you can find the best rates but also keep your business local.

After filling out this short form, the coverage information is transmitted to companies in Tampa that can provide free Tampa auto insurance quotes for your insurance coverage. You won’t even need to contact any agents as quotes are delivered to your email. If you want to compare prices from a specific insurance provider, you can always find their quoting web page and fill out their quote form.

Choosing an provider requires you to look at more than just a low price. Below are some questions you should ask.

If you are wanting to find a reliable agent, it can be helpful to understand the types of agencies from which to choose. Agents can be categorized as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but it’s important to know the difference between them because it can influence the kind of agent you use.

Exclusive Agents

Agents that elect to be exclusive generally can only insure with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to shop your coverage around so always compare other rates. Exclusive agencies are trained well on their company’s products which helps them compete with independent agents.

The following is a list of exclusive agencies in Tampa who may provide you with price quote information.

10005 Gallant LnTampa, FL 33625(813) 963-3216View Map

14940 N Florida AveTampa, FL 33613(813) 961-6661View Map

5051 Memorial HwyTampa, FL 33634(813) 243-1300View Map

View more Tampa agents

Independent Insurance Agents

Independent insurance agents do not have single company limitations and that gives them the ability to insure with multiple insurance companies and find the cheapest insurance rates. If they find a lower price, they simply switch companies in-house and you stay with the same agent. If you are trying to find cheaper rates, it’s a good idea to get insurance quotes from at least one independent agent to ensure the widest selection of prices.

Listed below is a short list of independent insurance agents in Tampa that can give you rate quotes.

5401 W Kennedy Blvd #230Tampa, FL 33609(813) 200-7261View Map

7753 W Waters AveTampa, FL 33615(813) 885-2900View Map

5512 N Armenia Ave # ATampa, FL 33603(813) 874-3222View Map

View more Tampa agents

How to know if you need help

When quoting and comparing the right insurance coverage, there isn’t really a single plan that fits everyone. You are unique so your insurance needs to address that.Car insurance savings
For instance, these questions could help you determine if your situation will benefit from professional help.

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

A conclusion for your auto insurance search

Throughout this article, we presented many ways to shop for Chevy Sonic insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the lowest rates are with some of the smallest insurance companies. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

Some insurance companies do not provide price quotes online and most of the time these small, regional companies provide coverage only through independent agents. Cheaper Chevy Sonic insurance in Tampa can be purchased both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.

Much more information about auto insurance in Florida can be found at the links below