Finding Cheap Casselberry Auto Insurance

I can't think of a single person who likes having to buy auto insurance, in particular when they are paying too much.

Drivers have multiple to pick from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices periodically because prices are constantly changing. Even if you got the lowest price two years ago a different company probably has better rates today. Don't believe everything you read about auto insurance on the internet, so I'm going to show you some great ways to find cheap auto insurance.

Be sure to get all your discounts

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Most are applied at the time of purchase, but a few must be specially asked for prior to receiving the credit.

Bundle and Save - If you have multiple policies with one company you may earn approximately 10% to 15%.
Good Student - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Auto/Life Discount - Some companies give a discount if you purchase auto and life insurance together.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Drive Less and Save - Fewer annual miles could be rewarded with better rates on cars that stay parked.

It's important to note that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you're out of luck. But any discount will bring down the amount you have to pay.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that help determine the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with big savings.

The following are a partial list of the pieces auto insurance companies consider when setting rates.

Rural vs Urban Areas - Living in less populated areas can be a good thing when insuring your vehicles. Drivers in populated areas tend to have much more traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
Careful drivers pay lower rates - Just one citation can boost insurance rates forty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
More miles equals more premium - Driving more miles each year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Autos not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Being married can save on auto insurance - Having a wife or husband can get you a discount on your auto insurance policy. It means you're more mature and it's statistically proven that married couples file fewer claims.

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions may help highlight whether or not you could use an agent's help.

What are the best liability limits?
Should I buy only the required Florida minimum liability coverage?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
Does my personal policy cover me when driving my company car?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Is there truth in advertising?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to make the same claim that you can save after switching to their company. How does each company make almost identical claims?

All the different companies have a certain "appetite" for the driver that earns them a profit. For instance, a desirable insured could possibly be over the age of 40, a clean driving record, and chooses high deductibles. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can state the savings.

Because of the profiling, drivers should compare as many rates as you can. It's impossible to know which company will give you the biggest savings.

Additional Florida consumer information

More information is located on the website for the Florida Office of Insurance Regulation through this link. Florida consumers can view agent and company licensing information, file complaints about a company, file complaints about an insurance agent or broker, and get help finding coverage.

Also read more on Wikipedia and this Casselberry agent directory.

Do the work, save more money

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. In many instances, someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at an affordable rate.

You just read many ideas to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a company that doesn't do a lot of advertising. Regional companies often have lower prices on specific markets compared to the large companies like .

Lower-priced auto insurance can be purchased online and also from your neighborhood Casselberry agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.