Tightwads Instructions on Saving on Fountain Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.

Lots of contend to insure your vehicles, so it can be very hard to choose a and get the definite lowest price

It's important to do rate comparisons every six months because prices are constantly changing. If you had the lowest rates on your last policy the chances are good that you can find a lower rate today. So just block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance in Fountain is quite easy. Nevertheless, Florida consumers do need to know how companies determine prices and use this information to your advantage.

Save big with these discounts

The price of auto insurance can be rather high, but you may find discounts to help offset the cost. Some trigger automatically at quote time, but lesser-known reductions have to be inquired about in order for you to get them.

Life Insurance - Larger companies have lower rates if you buy auto and life insurance together.
Memberships - Being a member of certain professional organizations is a good way to get lower rates on auto insurance.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
More Vehicles More Savings - Insuring multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
No Charge for an Accident - A few companies permit an accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Bundle and Save - When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
Accident Free - Drivers with accident-free driving histories can save substantially as compared to bad drivers.

It's important to understand that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will cut your overall premium however.

To see a list of companies with the best auto insurance discounts in Fountain, click here to view.

How to Compare Auto Insurance in Fountain, Florida

There are several ways of comparing rates from auto insurance companies in your area. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

The best way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate quote forms to each individual auto insurance company. Filling out one form will return price quotes from many national carriers.
A slightly less efficient method to get quotes online consists of visiting the website for each individual company to complete a price quote. For example, let's say you want to compare rates from , and . To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Fountain, click here.
The least recommended method of comparing rate quotes is driving around to insurance agents' offices. The internet has reduced the need for local agents unless you prefer the professional guidance only provided by licensed Fountain agents. However, consumers can obtain prices from the web and still use a local agent. We'll cover that shortly.

It's your choice how you get your quotes, but ensure you are comparing the exact same deductibles and coverage limits for every company. If you compare different values for each quote it will be next to impossible to decipher which rate is best in Fountain. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just remember that more quotes will enable you to find better pricing.

Why some people pay less for insurance in Fountain

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with big savings.

The list below includes a few of the "ingredients" companies use to determine rates.

More miles equals more premium - The more you drive in a year the more you will pay for auto insurance. Most companies charge to insure your cars determined by how the vehicle is used. 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 policy is showing the correct driver usage.
Protect yourself with liability coverage - The liability section of your policy provides coverage if ever you are found liable for damages from an accident. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
Sex matters - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that women are better drivers. They both tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
Rates may be lower depending on your job - Jobs such as lawyers, business owners and accountants tend to pay higher rates than average attributed to job stress and lots of time spent at work. On the flip side, professions such as actors, athletes and the unemployed have the lowest average rates.
Don't buy coverages you don't need - There are a lot of extra coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage and motor club memberships may be costing you every month. They may seem good at first, but if you don't need them get rid of them and save.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make an identical promise of big savings if you move to them. How do they all claim to save you money?

All the different companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured might be between 25 and 40, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will have to pay more money and ends up with the customer not buying. The ads say "people who switch" not "people who quote" save money. That's the way insurance companies can confidently advertise the savings.

Because of the profiling, drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will fit your personal profile best.

Shop smart and save

When you buy insurance online, never reduce coverage to reduce premium. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Low-cost auto insurance is possible both online and with local Fountain insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Learn more about Florida auto insurance

Additional auto insurance information can be found on the website for the Florida Office of Insurance Regulation through this link. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, view a list of available companies, and learn about insurance regulations.