Best Way to Find Cheaper Clermont Auto Insurance

If you are a novice to online auto insurance shopping, it's easy to be confused by the sheer number of auto insurance companies competing for business in Clermont.

It's important to compare prices occasionally because insurance rates are constantly changing. Even if you got the lowest price on your last policy there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Shopping for affordable coverage in Clermont is easy if you know what you're doing. Nevertheless, Indiana drivers do need to know how insurance companies price online insurance because it can help you find the best coverage.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Battle of the sexes - Statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
Do you know you're credit rating? - Credit score is a huge factor in determining your rates. So if your credit history is lower than you'd like, you could save money insuring your by repairing your credit. People with high credit ratings tend to be more responsible than drivers with poor credit.
More than one policy can earn a discount - Most insurance companies will give a discount to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, it's in your best interest to comparison shop to verify if the discount is saving money.
Drive a safer car and pay less - Vehicles with good safety scores get lower rates. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.

Clermont Auto Insurance Quote Comparison

There are several ways of comparing rate quotes from different Clermont insurance companies. One of the best ways to find competitive insurance rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quote forms to each individual auto insurance company. A single form compares rates from many national carriers. It's the fastest way to compare.
A less efficient way to compare rate quotes is going to each individual company website and complete a new quote form. For examples sake, we'll pretend you want to compare , and . To find out each rate you need to take the time to go to each site and enter your information, and that's why the first method is more popular. To view a list of companies in Clermont, click here.

Whichever method you choose, make absolute certain that you use the exact same coverage limits and deductibles on every quote. If the quotes have different liability limits it will be very difficult to make a fair comparison in Clermont. Slightly different coverage limits can result in a big premium difference. And when quoting auto insurance, remember that comparing a large number of companies will increase your chances of finding the best rates.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Some discounts apply automatically when you complete an application, but less common discounts must be inquired about before they will apply.

Accident Forgiveness - A few companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Drive Less and Save - Driving fewer miles could be rewarded with a substantially lower rate.
Multi-car Discount - Insuring more than one vehicle with the same company qualifies for this discount.
Organization Discounts - Participating in certain professional organizations may earn a discount on auto insurance.
Defensive Driver - Taking part in a course in driver safety can save you 5% or more if your company offers it.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of up to 25% or more.

Consumers should know that some credits don't apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will cut your overall premium however.

To choose companies offering auto insurance discounts in Clermont, click here.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim of big savings if you switch your coverage to them. How do they all make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the type of customer that makes them money. For instance, a desirable insured could possibly be over the age of 50, owns a home, and has great credit. A driver that hits that "sweet spot" will get the preferred rates and most likely will cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that much money. That is how insurance companies can confidently advertise the savings.

Because of the profiling, you need to get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

How to know if you need help

When buying the best auto insurance coverage for your vehicles, there is no one size fits all plan. Everyone's situation is unique.

These are some specific questions might point out whether your personal situation may require specific advice.

Does my policy cover me when driving someone else's vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Is my nanny covered when driving my vehicle?
Am I covered if I wreck a rental car?
Do I need special endorsements for business use of my vehicle?

If you can't answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Additional auto insurance information is located on the Indiana Department of Insurance website. Click here for link. Indiana consumers can learn about insurance regulations, find out industry alerts, and read consumer alerts.

Final considerations

Cost effective auto insurance can be found online as well as from independent agents in Clermont, and you should be comparing both to get a complete price analysis. There are still a few companies who don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, you should never reduce coverage to reduce premium. In many cases, an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price.

Drivers switch companies for any number of reasons including denial of a claim, policy cancellation, policy non-renewal or even delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is easier than you think.