Lower Online Leesburg Car Insurance Prices With These Techniques

If online car insurance comparisons are new to you, you may be confused by the sheer number of car insurance companies competing for business in Leesburg.

It's important to do rate comparisons periodically due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates a couple years back the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to save money.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Accident Forgiveness - A few companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
Good Student - A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Senior Citizens - Mature drivers may be able to get reduced rates.
Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
College Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, some credits don't apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will cut the cost of coverage.

To see a list of companies who offer car insurance discounts in Leesburg, click here.

Leesburg Car Insurance Comparisons

Most companies such as State Farm, GEICO and Progressive provide pricing online. Obtaining pricing is pretty easy as you just type in your personal and coverage information as detailed in the form. Once you submit the form, the system will obtain your driving and credit reports and generates a price determined by many factors.

Quoting online makes comparing rates easy, but the time required to go to several different sites and type in the same information can be a bit repetitive. But it's very important to do this if you want to find the best price on car insurance.

The preferred way to compare rates makes use of a single form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much simpler. Immediately after you send the form, it gets priced and you can select any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

In order to find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input the coverages identical to your current policy. This makes sure you will have rate comparison quotes based on the exact same insurance coverage.

Why some people pay less for insurance in Leesburg

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower car insurance prices.

The following are some of the items companies use to determine rates.

Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men are in accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
Bad driving skills means higher rates - Good drivers tend to pay less for car insurance compared to drivers with tickets. Even a single moving violation can increase rates twenty percent or more. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
Mature drivers pay less - Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers are known to be more careless behind the wheel therefore car insurance rates are much higher.
What are your deductibles? - Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, damage caused by hail, and rolling your vehicle. The deductibles are how much you are required to spend before a claim is paid by your company. The more expense you're willing to pay, the lower your rates will be.

Tailor your coverage to you

When choosing coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different.

For instance, these questions may help highlight whether you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Florida?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
What are Florida no-fault laws?
Do I need PIP (personal injury protection) coverage in Florida?

If you can't answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers in Florida can't get away from ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to have a common claim about savings after switching to them.

How do they all claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of driver that is profitable for them. A good example of a desirable insured might be a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any driver that hits that "sweet spot" receives the best rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a more expensive rate and this can result in the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That is how companies can truthfully advertise the way they do.

Because of the profiling, drivers must get quotes from several different companies. You cannot predict which company will provide you with the cheapest rates.

A tidy conclusion

Cheap car insurance can be bought both online and with local Leesburg insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just presented a lot of ways to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In many cases, someone dropped full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy enough coverage for the lowest price.

Additional Florida consumer information

Additional information can be read on the Florida Office of Insurance Regulation website. Click here for link. Visitors are able to learn about insurance regulations, file complaints about a company, and read enforcement actions against agents and companies.