How to Know You're Wasting Money for Auto Insurance in Hobe Sound

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you're not the only one.

Numerous battle for your insurance dollar, so it can be very hard to choose a to get the lowest rate

Quick Hobe Sound Auto Insurance Quotes

There are several ways of comparing price quotes from auto insurance companies in your area. The recommended way to find the cheapest insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find low rates is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating repetitive form submissions to each individual auto insurance company. Completing one form gets you price quotes from multiple companies.

A more difficult way to compare rate quotes requires a trip to the website of each company to complete a price quote. For instance, we'll pretend you want to compare rates from , and . To find out each rate you need to go to every website to input your insurance information, which is why the first method is quicker. To view a list of companies in Hobe Sound, click here.

The most time-consuming method of getting rate comparisons is to waste gas driving to local Hobe Sound insurance agencies. Shopping for auto insurance online makes this process obsolete unless you want the professional advice only provided by licensed Hobe Sound agents. It is possible to compare the best prices online and still use a local agent. We'll cover that shortly.

However you get your quotes, compare the exact same quote information with each company. If you use mixed coverages then you won't be able to make an equal comparison in Hobe Sound. Slightly different limits may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding a better price.

Tips to Get Lower Hobe Sound Rates

It's important that you understand the factors that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the factors used by your company to calculate prices.

Save money with special equipment - Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
Safer cars cost less to insure - Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage when a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Extra add-on coverages are wasting money - There are quite a few extra coverages that can waste your money on your auto insurance policy. Coverages like roadside assistance, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good initially, but now you might not need them so get rid of them and save.
Type of vehicle determines base rates - The performance level of the car you are buying insurance for makes a substantial difference in the rate you pay. Economy passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
Careful drivers pay lower rates - A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can bump up the cost twenty percent or more. Drivers who don't get tickets get better rates than their less careful counterparts. If you have dangerous violations such as DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to prevent a license revocation.
How many coverages with the same company - Some insurance companies provide better rates to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, it's still a good idea to shop around to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount.

Student Driver Training - Require your teen driver to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles can qualify you for a substantially lower rate.
Club Memberships - Participating in certain professional organizations may earn a discount when shopping for auto insurance.
Homeowners Discount - Simply owning a home can save you money because maintaining a house requires personal responsibility.
Discount for Swiching Early - Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.

Keep in mind that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, it just doesn't work that way. But any discount will cut your overall premium however.

For a list of insurance companies with discount auto insurance rates in Hobe Sound, click here.

More information is available on the website for the Florida Office of Insurance Regulation found here. Florida consumers can view a list of available companies, find disaster information, find out which companies have the most complaints, and discover disciplinary actions.

Final considerations

Affordable auto insurance can be sourced online as well as from independent agents in Hobe Sound, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don't offer online quoting and these smaller companies work with independent agents.

You just read a lot of techniques to lower your auto insurance rates. It's most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like .