Several Reasons Why Your Car Insurance is too high!

Several Reasons Why Your Tampa Car Insurance is too High!

As an Independent Tampa car insurance agency serving all of Florida, we search multiple carriers to find you the best rate available on your Tampa car insurance.  Even so, your Tampa car insurance may be costing you more than your co-worker, your relative, or even your neighbor right next door.  Here are a few reasons that may be the case:

  1. You choose a lower deductible – A low deductible seems like a good choice. That way, if you are involved in an accident, you’re only responsible for a small amount of the cost to repair your vehicle.  However, lower deductibles will increase the cost of your Tampa car insurance.  You will want to make sure your policy has a deductible that you can afford if you are involved in an accident.  But, choosing a higher deductible will decrease the cost of your car insurance.
  2. You are younger than 25 – Most often, drivers between the age of 18 and 25 pay the most for car insurance. Why? Drivers in this age range often have the least amount of experience operating a vehicle and haven’t established their own insurance history.  The best advice here is to be sure to maintain continuous insurance, maintain a clean driving history, and avoid claims and over time, the premium for your car insurance will decrease.
  3. You drive a high-performance vehicle – The type of vehicle you drive can also have an impact on the amount you pay for car insurance. Faster, sleeker vehicles (think a Porsche) will have a higher rate, apples to apples, than what you would pay for a sedan (looking at you Camry).  There are ways to save on a vehicle of this type, such as discounts for good driving records and discounts for pay-in-full.
  4. You require a SR-22 – If you have a serious infraction on your driving record or violations keep piling up, you may be required to carry a SR-22. The SR-22 is a certificate verifying you have insurance coverage that the car insurance company files with the court.  Most likely, there is a fee that the auto insurance company will charge to make this filling.

If you find yourself in any of these situations, all if not lost.  As an Independent Tampa care insurance agency serving all of Florida, we give you options when looking to insure your vehicle.  We search multiple companies to find you the best rate on your Tampa car insurance.  Give us a call today and let one of our professional and licensed agents get to work for you!

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813-341-1530 or 888-663-5088

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