Easy Ways to Cut Costs on Fort Pierce Auto Insurance

If you've never shopped for auto insurance online, it's easy to get overwhelmed by the vast number of auto insurance companies offering insurance in Fort Pierce.

It's important to price shop coverage occasionally because insurance rates are constantly changing. Even if you got the lowest rates a few years ago you may be paying too much now. So just forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to lower your annual insurance bill.

Automobile Insurance Quotes in Fort Pierce, FL

There are several ways of comparing rate quotes from different Fort Pierce insurance companies. The recommended way to find competitive insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quotes to each individual auto insurance company. A single form gets rate comparisons instantly. It's the fastest way to compare.

A less efficient way to compare rate quotes is spending the time to visit each company's website to request a price quote. For instance, let's assume you want to compare , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in Fort Pierce, click here.

The least recommended method to get comparison rates is to drive around to local Fort Pierce insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance only provided by licensed Fort Pierce agents. However, consumers can compare the best prices online and still use a local agent.

It's up to you which method you use, but make absolute certain that you use the exact same information for each price quote. If you are comparing higher or lower deductibles you can't possibly truly determine the lowest rate in Fort Pierce. Quoting even small variations in coverages may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices will increase your chances of finding the best price.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the different types of things that help determine the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with big savings.

Older drivers save more - Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers are known to be more careless behind the wheel therefore auto insurance rates are much higher.
Better credit scores mean better rates - Credit history is a big factor in determining your rates. So if your credit history is not that good, you could be paying less to insure your by repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
Please use or commuting - Driving more miles each year the more you will pay for auto insurance. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
Better crash test results mean better rates - Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.

Take advantage of discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
Drive Less and Save - Fewer annual miles can earn discounted rates on garaged vehicles.
Student Driver Training - Require your teen driver to complete a driver education course if it's offered in school.
Early Switch Discount - Some companies give discounts for switching policies before your current policy expires. It's a savings of about 10%.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

For a list of companies who offer auto insurance discounts in Fort Pierce, click here to view.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's.

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

What are Florida no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Is rental equipment covered for theft or damage?
Does my car insurance cover rental cars?
Who is covered when they drive my vehicle?

If you're not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Additional information can be found on the Florida Office of Insurance Regulation website found here. Florida consumers can read enforcement actions against agents and companies, find out industry alerts, and file complaints about an insurance agent or broker.

Do the work, save more money

When shopping online for auto insurance, you should never reduce needed coverages to save money. There are many occasions where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best price.

Cheap auto insurance can be purchased online in addition to many Fort Pierce insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

People change insurance companies for a variety of reasons including not issuing a premium refund, policy cancellation, delays in paying claims and delays in responding to claim requests. No matter why you want to switch, finding a new auto insurance company is not as hard as you think.