Car Insurance in Fernandina Beach - 6 Discounts You Might be Missing

People who are new to buying insurance online can find finding cheap Fernandina Beach car insurance is not as easy as it seems.

It's important to shop coverage around occasionally since rates are constantly changing. Even if you got the best deal six months ago there may be better deals available now. So forget anything you know (or think you know) about car insurance because we're going to show you the only way to find better rates and still maintain coverage.

Buying car insurance in Fernandina Beach is easy if you know what you're doing. If you have car insurance now, you should be able to save some money using these methods. But Florida car owners do need to know the way insurance companies price online insurance and take advantage of how the system works.

Florida car insurance

Save big with these six discounts

Car insurance companies don't always advertise every available discount very clearly, so here is a list some of the more common and the more hidden ways to save on car insurance.

  • Early Signing - A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Multi-policy Discount - When you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Low Mileage - Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Defensive Driver - Completing a driver safety course can save you 5% or more depending on where you live.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

For a list of providers offering car insurance discounts in Florida, click this link.

Fernandina Beach Car Insurance Quote Comparison

There are several ways to compare rate quotes from different Fernandina Beach insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished using a couple different methods.

One of the best ways to find low rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do boring form submissions for every car insurance company. A single form compares rates from all major companies. It's definitely the quickest method.

A different way to get quotes online is going to each company website to request a price quote. For sake of this example, let's say you want to compare , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why most consumers use the first method.

To view a list of companies in Fernandina Beach, click here.

The hardest method to compare rates is driving to different agent offices. Shopping for car insurance online makes this process obsolete unless you prefer the personal advice of a local agent. Drivers can compare online quotes and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just make absolute certain that you use identical coverage limits and deductibles for each price quote. If each company quotes different liability limits it will be next to impossible to truly determine the lowest rate in Fernandina Beach. Having just a slight variation in insurance coverages may result in large price differences. And when quoting car insurance, remember that comparing more company's prices helps you find the best rates.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

These are some specific questions might point out if your situation would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is rental equipment covered for theft or damage?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Do the work, save more money

You just learned some good ideas how to get a better price on car insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a company that doesn't do a lot of advertising.

As you restructure your insurance plan, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Discount car insurance can be found from both online companies as well as from independent agents in Fernandina Beach, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and many times these smaller companies only sell through independent insurance agents.