Free Guide to Spending Less for Green Cove Spgs Car Insurance Online

Overpriced car insurance can dwindle your checking account and put a big crunch on your finances. Shopping your coverage around is a smart way to cut your insurance bill.

Companies like GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to compare rates on a regular basis because rates are constantly changing. Just because you found the best rates last year you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so the following is a list of some of the more common and also the lesser-known car insurance savings.

  • College Student - Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online - A few companies will give a small break just for signing your application digitally online.
  • Own a Home - Owning a house in Green Cove Spgs may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Government Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Good Student Discount - Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

Green Cove Spgs car insurance comparison

The car insurance bait and switch

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to say the same thing that you can save after switching to their company. How can each company make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "everyone that quotes" save that much. This is how insurance companies can claim big savings. Because of the profiling, you should get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings.

For more Florida car insurance information

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Consumers can read enforcement actions against agents and companies, get help finding coverage, report car insurance fraud, and download brochures.

Final considerations

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.

Affordable car insurance can be sourced from both online companies and also from your neighborhood Green Cove Spgs agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.