Cheap Car Insurance St Petersburg FL and Pinellas County with PIP Coverage

cheap car insurance st petersburgBy offering some of the best quality cheap car insurance in St Petersburg FL and all of Pinellas County through our online discount car insurance partner network, we give you the opportunity to participate in the savings too.  The great news is that while the average car insurance premium in Florida is just over $1900 per year, the average for Pinellas County is about $1650 and St. Pete’s is slightly less than that.  The point is, there’s money to be saved and there’s no reason you can’t be the one to save it.

Your ability to save money by using our free quoting system through our insurance partners that are some of the best in the Country, is the first and most important step to getting truly quality low cost car insurance in St. Petersburg FL .  While we’re going to discuss additional savings that you can get by doing some smart things relating to your vehicle, driving habits and more… the process of obtaining three or more quotes from companies such as Geico, Progressive, Nationwide, 21st Century, State Farm and others will pay big dividends for your annual family budget.  Especially when it’s from discount online quoting.

Cheap Car Insurance St. Petersburg FL – What is the Real Deal?

While you surf the internet you’re likely to run across all kinds of insurance websites when you’re trying to learn more about car insurance.  Most have low quality content that’s not meant for you to learn from, in fact it’s barely readable at all.  It’s auto-posted by a robot to add content without any work so the person on the other end can make money.  We’re real people, with real information that can lead to true savings on your car insurance and our Rapid Quote Partner Network is second to none when it comes to quality car insurance and discount car insurance prices St. Petersburg residents can actually save money with.

Take the time to read the information and use our partner network quoting system above to get the quotes you need to ensure your discounts being offered are the maximum you can get by comparing different company’s pricing.  The sheer speed, convenience and of course the savings are why millions of people quote online every year now.  Plus, it’s a heck of a lot easier than calling and meeting with insurance agents and wasting half a day.  Who in the world has that kind of time when you can get multiple quotes in minutes right from your computer at home?

Cheap Car Insurance St Petersburg FL – Let’s Talk Florida Requirements

Will all folks qualify for the cheapest car insurance in St Petersburg ?  Likely not since everyone has a different driving record, drives a different car, has more or less experience etc… but if your driving record isn’t the best, you have even more reason to get at least three quotes when pricing your insurance to make sure you’re getting the lowest possible pricing.  Let’s face it, car insurance quote estimates regarding car insurance for 18 year olds won’t be the same as someone who has been driving for twenty years all other things being equal.

When you get your car insurance quotes, you’re going to have to comply with the Florida State minimum coverage requirements.  Every State has them.  Florida, unlike most States is a no-fault State meaning that your insurance company pays for injury claims resulting from an accident whether it was your fault or not up to the limit in your policy.  For that reason you need personal injury protection or PIP coverage in Florida as well.  PIP pays for reasonable and necessary medical costs resulting from the accident.

In Florida you need at least $10,000 coverage for property damage liability coverage and $10,000 of PIP coverage.  If you’ve had an accident previously, you may be required to have more than the $10,000 minimum.  When quoting you’ll have the opportunity to get the minimum, but you’ll likely want more than that.  The minimum is a pretty low amount and damage or injury claims can easily exceed these numbers.

Like many States, you’re not required to get uninsured or under insured coverage, but it’s really important to have and it’s not expensive to add to your policy.  It seems contrary that there would be uninsured drivers because it’s a requirement to drive, but many people drive under insured and plenty drive uninsured.  That’s crazy, but it’s true.

Cheap Car Insurance St Petersburg FL – Let’s Save You More Money!

Since getting low cost car insurance in St Petersburg FL is your primary concern, let’s discuss how you can save the most money possible.

Take the time to identify what you need your auto insurance policy to cover. There are plenty of options out there, and they may be confusing. If you tend to have accidents, you would be wise to pay for collision coverage.

Learn about the safety features of your vehicle to save some money on your insurance bill. Safety features have the potential to decrease the costs associated with an automobile accident. Lower insurance claims equal reduced insurance rates. Even after-market safety features help to reduce your insurance policy cost.

If you buy aftermarket enhancements for your car, determine the insurance consequences should your car get damaged or stolen. Often, your insurance company will not cover the value of aftermarket parts, or will only cover the total value of the car with the parts added.

After purchasing a new car insurance policy, you need to know that many states have a law in place where insurance carriers can change their mind about insuring you within a certain period of time. Although this probably won’t happen to you if you have good financial and driving records, it could, so it’s a wise idea to keep information about other insurers where you can find it.

If you are unlucky enough to be involved in an accident and need to file a claim with your insurer, be certain to document every detail pertaining to the event. If you have the opportunity, use your mobile phone or device to take pictures of the accident. Trying keeping a camera in the vehicle too, just in case.

If you do not have to drive far to get to your job you can normally save on insurance. To qualify for the low mileage discount, most insurance companies require that you drive less than 7,500 miles each year. If you take public transportation in St. Pete to complete your work commute you may qualify for what is termed a “commuter discount.” Be sure to mention this to your agent.

Finding the lowest car insurance in St. Petersburg is a multi-step process.  Learn about how car insurance works in your State, get 3 or more quotes then implement some of the money saving strategies that we’ve discussed here including getting a higher deductible that you can still afford.  This can have a big effect on your premiums. You can easily save if you take the time to learn the auto insurance tactics we’ve discussed, but nothing will save you more than maintaining a clean driving record on a consistent basis.

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Posted in: Auto Insurance, Insurance