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January 31, 2025
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How to Lower Auto Insurance Rates in Fort Myers, FL

Auto insurance is an essential and even legally required investment for all motorists in Fort Myers and throughout Florida. Your policy can ensure legal compliance while also providing coverage for many common risks and exposures involving owning and operating a vehicle. However, while auto insurance is a necessary expense, it adds another regular expense to your budget. Fortunately, there are ways you can limit your rates and optimize the cost-effectiveness of your premiums.

5 Ways to Get the Best Auto Premiums

Consider the following strategies when shopping for auto insurance and attempting to find the best price:

  1. Explore your options. Don’t automatically settle for your first auto insurance quote. Different carriers may offer various price points and coverage options. Working with an independent agency like Five County Insurance Agency can help you find a suitable policy with ideal rates.
  2. Bundle coverage. Purchasing multiple types of insurance from the same carrier can unlock discount opportunities. For example, consider pairing your auto coverage with the same insurer through which you get your homeowners or renters insurance to potentially enjoy overall savings.
  3. Drive safely. Insurers look closely at your driving history when quoting you rates for coverage. Drive defensively to avoid accidents and abide by all traffic laws, as tickets and violations can lead to higher rates.
  4. Adjust policies. At times, it may be advantageous to make changes to your coverage that could garner lower rates. For example, if you increase your deductible, your premiums may decrease. However, you’ll need to pay more out of pocket when filing a claim.
  5. Improve credit. Insurance carriers often use your credit score to determine how risky you may be to insure. Achieve or maintain a good credit score by paying bills on time, limiting outstanding balances and diversifying your portfolio to potentially save on auto insurance rates.

We’re Here to Help

Contact Five County Insurance Agency today to learn more about auto coverage or compare personalized quotes.

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

Categories: Auto

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