8 Best Tips to Lower Car Insurance Costs in Flagler Beach, FL
Are you sick and tired of scraping the payment together each month for car insurance? You're in the same situation as the majority of other car owners in Florida. Because you have many car insurance companies to choose from, it's nearly impossible to find the most cost effective provider.
It's important to price shop coverage once or twice a year since rates are constantly changing. Just because you found the best rates six months ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to reduce your car insurance bill.
Locating affordable car insurance in Flagler Beach can be fairly easy. If you have a policy now or need new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Florida drivers only need an understanding of the tricks to compare company rates on the web.
Fast and Easy Flagler Beach Car Insurance Quotes
Performing a rate comparison is a ton of work if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Flagler Beach, or you can utilize the internet to get the quickest rates.
Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company then gives them pricing. This eliminates the need for quote requests to each individual car insurance company.
To submit your quote information now, click here to open in new window.
The one disadvantage to comparing rates this way is you don't know exactly which providers you want pricing from. So if you want to select specific providers to receive pricing from, we have a listing of low cost car insurance companies in Florida. Click here to view list.
Whichever way you use, double check that you are using apples-to-apples quote information on every quote you get. If you compare mixed coverages it will be impossible to determine which rate is truly the best in Flagler Beach.
Be sure to get all your discounts
Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you quote, but some may not be applied and must be requested specifically before you get the savings. If you don't get every credit available, you are paying more than you should be.
- Homeowners Pay Less - Owning a house in Flagler Beach may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
- Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Multiple Cars - Buying insurance for all your vehicles with the same company could earn a price break for each car.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Military Discounts - Having a deployed family member could be rewarded with lower premiums.
- Air Bag Discount - Factory air bags can receive discounts of up to 25% or more.
- Drive Less and Save - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Consumers should know that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.
To choose companies with discount car insurance rates in Florida, follow this link.
Is there truth in advertising?
Consumers can't ignore all the ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you change your policy.
But how can every company make the same claim?
All companies can use profiling for the right customer that makes them money. A good example of a desirable insured could be over the age of 50, has no tickets, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.
Drivers who don't measure up to this ideal profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can confidently state the savings.
Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict the company that will have the lowest rates.
Additional car insurance information can be read on the website for the Florida Office of Insurance Regulation through this link. Consumers can get help finding coverage, view a list of available companies, report car insurance fraud, and find out industry alerts.
Other informative sites include this page for Florida car insurance and this page for help finding agents in Flagler Beach, FL.
In the end, you save
Cost effective car insurance can be sourced from both online companies in addition to many Flagler Beach insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.
As you restructure your insurance plan, do not reduce coverage to reduce premium. In many cases, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.
