Find Cheaper Clermont Auto Insurance

If you've never shopped for auto insurance online, it's easy to get confused by the hoards of auto insurance companies competing for business in Clermont.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the cheapest protection in Clermont is not that difficult. But Georgia drivers do need to know how big insurance companies compete online and use this information to your advantage.

Clermont Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that could result in lower auto insurance prices.

  • Extra coverages can waste money - There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like roadside assistance, accidental death and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they're wasting money get rid of them and save.
  • Careful drivers pay lower rates - Only having one moving violation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to keep their license.
  • Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

auto insurance in Clermont

Vehicle Insurance Comparison

There are several ways of comparing price quotes from different Clermont insurance companies. One of the best ways to find the lowest rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

  1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate forms for every auto insurance company. Just one form will get you rate comparisons from several companies. It's the fastest way to compare.
  2. A more difficult way to get quotes online requires you to visit the website for every company you want to comare to complete their respective quote request forms. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular. To view a list of companies in Clermont, click here.
  3. The least efficient method to get comparison rates is to spend time driving to local Clermont insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the personal advice of a local Clermont agent. You can, however, find lower rates online and still use a local agent. We'll cover that shortly.

Whichever way you use, be sure to compare the exact same coverage information on every quote you get. If you use unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best in Clermont. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Save big with these discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

  • Driver Safety - Completing a course in driver safety can save you 5% or more if your company offers it.
  • Good Student - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Multiple Vehicles - Insuring multiple vehicles with the same company qualifies for this discount.
  • Federal Employees - Employees or retirees of the government can save as much as 8% depending on your company.
  • Organization Discounts - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
  • Student Driver Training - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. But all discounts will cut your overall premium however.

To choose insurers who offer auto insurance discounts in Clermont, follow this link.

Auto insurance ads bend the truth

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing that you'll save big after switching to their company. How do they all make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the driver that makes them money. For example, a profitable customer could possibly be between 30 and 50, a clean driving record, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that much. That is how companies can advertise the savings.

This illustrates why you need to get quotes from several different companies. It's impossible to know which company will give you the biggest savings.

But I don't know anything about car insurance

When buying adequate coverage for your vehicles, there is no cookie cutter policy. Everyone's situation is unique.

These are some specific questions may help highlight if your situation might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Georgia?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Much more information about auto insurance in Georgia can be found on the Georgia Insurance and Safety Fire Commissioner website. Click here for link. Georgia consumers can discover disciplinary actions, file complaints about a company, and learn about insurance regulations.

Georgia auto insurance

Shop smart and save

Discount auto insurance can be bought online and also from your neighborhood Clermont agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just read many ways to compare auto insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a smaller regional carrier.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.