Free Guide to Paying Less for Flagler Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. Numerous battle for your hard-earned dollar, so it can be very hard to choose a to get the lowest price

It's important to price shop coverage at least once a year because prices are constantly changing. Just because you found the best price a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

How much can you save with discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be asked about before you get the savings. If they aren't giving you every credit possible, you are throwing money away.

Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
Low Mileage - Fewer annual miles can earn a substantially lower rate.
E-sign - Certain companies may give you up to $50 for buying your policy on their website.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Homeowners Discount - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.

A little note about advertised discounts, some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that help determine the rates you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

The following are a few of the "ingredients" that factor into your rates.

Cautious drivers pay less - Your driving record impacts your car insurance rates tremendously. Drivers with clean records receive lower rates compared to drivers with tickets. Even a single moving violation may increase your cost forty percent or more. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Extra coverages can waste money - There are a ton of extra coverages you can purchase when buying auto insurance. Coverages like vanishing deductibles, better glass coverage and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
Being married is a good thing - Having a spouse can get you a discount on auto insurance. Marriage usually means you are more responsible and it's statistically proven that being married results in fewer claims.
Liability coverage is cheap - Liability coverage provides coverage in the event that you are found liable for damages caused by your negligence. It provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Don't let your coverage lapse - Allowing your auto insurance policy to lapse will be a fast way to pay more for auto insurance. Not only will rates go up, but being ticketed for driving with no insurance will get you a license revocation or jail time.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations like lawyers, social workers and accountants are shown to have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations like actors, athletes and performers pay the least.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Colorado get pounded daily by advertisements that promise big savings from companies such as State Farm and Allstate. All the ads have a common claim about savings after switching your policy.

How do they all claim to save you money?

All companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk might be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile will be charged a higher premium and this can result in the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the way they do.

That is why drivers should get quotes from several different companies. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Additional information can be found on the website for the Colorado DORA Division of Insurance through this link. Visitors are able to file complaints about a company, discover disciplinary actions, get help finding coverage, and find out which companies have the most complaints.

Best coverage at the best price

We covered a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a company that doesn't do a lot of advertising. Regional companies may cover specific market segments cheaper compared to the large companies like .

Cheaper auto insurance can be sourced both online in addition to many Flagler insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.