In some states motorists are required to have car insurance. If that’s the case where you live, then you’re more than likely looking for any and every way that you can save money on car insurance in Naples FL. Thankfully there are several ways that you can keep your money in your pocket and still have good car coverage.
One of the first steps you’ll want to take to save money on car insurance is shop around. Different insurance companies have different features and different types of coverage that you might be interested in. Ask your friends and family how they like their car insurance company and if they would recommend it. Not only should you ask what they like, you should also find out what they don’t like. Something they don’t like about car insurance in Naples FL might be something that you don’t mind dealing with. If you already have insurance, you can still shop around to see if you can get the same coverage at a lower price from another insurance company.
Knowing how much your car is actually worth is something else that can save you money. Insurance companies usually only agree to pay claims that are equal to the car’s actual value or its market value. If you have an older car that has depreciated, it might not be worth it for you to have collision or comprehensive coverage. If the premium for collision insurance equals ten percent of the car’s actual value, you might be better off just dropping it. Just bear in mind that if you decide to do so that you won’t be protected in the event that your car overturns or runs into another object.
It’s possible for you to lower the cost of your car insurance in Naples FL anywhere from 15 to 30 percent by increasing your deductibles from $200 to $500. It’s also recommended that you don’t carry any more coverage than you actually need. Optional coverage like loan/lease payoff, roadside assistance and rental reimbursement are all well and good when you have an actual insurance claim, but they don’t do you much good if you don’t have a claim. Look to see if you already have similar coverage with your car’s extended warranty, lease agreement or an automobile service. It’s also a good idea to just meet with your insurance agent so that they can see if you’ve recently made any changes in your life that might qualify you for a lower insurance rate, such as installing an anti-theft device in your car, getting married or moving to the suburbs.
