Comparing Cheaper Holly Hill Car Insurance

Tired of being strong-armed each month for car insurance? You are no different than many other Florida consumers. Lots of contend for your business, so it's not easy to compare every to get the lowest price

It's important to shop coverage around once or twice a year because rates are constantly changing. Even if you got the best rates two years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to save money.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all their discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If they aren't giving you every credit available, you're paying more than you need to.

  • 55 and Retired - Mature drivers may qualify for a small decrease in premiums.
  • Lower Rates for Military - Being on active duty in the military could mean lower rates.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less - Owning a house in Holly Hill can help you save on car insurance because owning a home demonstrates responsibility.
  • Air Bag Discount - Factory air bags can get savings of 20% or more.
  • Defensive Driver - Completing a driver safety course could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous.

To see a list of companies offering car insurance discounts in Holly Hill, click here to view.

Holly Hill car insurance comparison

Fast and Easy Holly Hill Car Insurance Quotes

Finding cheaper car insurance prices is surprisingly easy. Consumers just need to spend a little time comparing rate quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  • The best way to find low rates is a comparison rater form click to view form in new window. This easy form prevents you from having to do multiple quote forms for every car insurance company. Taking the time to complete one form compares rates from multiple low-cost companies.
  • Another way to shop for car insurance online is going to each company's website to complete their respective quote request forms. For examples sake, let's assume you want rates from , and . To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Holly Hill, click here.

It's your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles on every quote you get. If you use different liability limits it will be next to impossible to determine which rate is truly the best in Holly Hill.

Tips to Get Lower Holly Hill Rates

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.

Listed below are some of the items used by your company to calculate rates.

  • Battle of the sexes - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents at a similar rate, but the males cause more damage. They also receive more costly citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • Multi-policy discounts can save money - Most insurers will give a discount to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount you may still want to compare rates to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.
  • Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more expense you have to pay, the less your company will charge you for insurance.
  • How's your driving record? - Your driving citation history impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates than bad drivers. Even one moving violation can bump up the cost by twenty percent. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Add-on coverages can add up - There are many extra bells and whistles that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
  • Liability coverage protects you - Liability insurance will protect you if ever you are found to be at fault for personal injury or accident damage. It provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.

Save $429 a year? Really?

Consumers can't get away from ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you switch your coverage to them.

How do they all make the same claim?

All companies can use profiling for the type of customer that is profitable for them. A good example of a desirable insured could be over the age of 40, has no tickets, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay a higher premium and ends up with business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully state the savings. Because of the profiling, drivers must quote coverage with many companies. Because you never know the company that will give you the biggest savings.

In the end, you save

When buying insurance coverage, never reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at an affordable rate.

Cheap car insurance can be found from both online companies as well as from independent agents in Holly Hill, and you need to comparison shop both to have the best selection. Some insurance companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

compare Holly Hill car insurance rates

Even more information can be read at the Florida Office of Insurance Regulation website. Consumers can learn about insurance regulations, view a list of available companies, read consumer alerts, and report car insurance fraud.