Proven Ways to Save on Live Oak Auto Insurance

Are you tired of paying out the nose each month for car insurance? Your situation is no different than the majority of other car owners in Florida. There is such a variety of to pick from, and although it's nice to have a selection, so many choices can make it hard to compare rates.

It's important to get comparison quotes once or twice a year because prices are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to find the best coverage while lowering your premiums.

Florida auto insurance

Comprehensive Auto Insurance Comparison in Live Oak

Most companies like State Farm and Allstate provide insurance quotes online. This process doesn't take much effort as you simply enter the amount of coverage you want into the quote form. When the form is submitted, the system will obtain credit information and your driving record and returns a price quote based on many factors. This makes it a lot easier to compare rates but the time required to go to several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

A quicker way to find cheaper rates uses one form that analyzes rates from a lot of companies. It's a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable. As soon as you send your information, it gets priced with multiple companies and you can pick any one of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended you input your coverages identical to your current policy. This ensures you will receive comparison quotes for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't list every available discount very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving. If you're not getting every credit available, you're paying more than you need to.

  • Passive Restraints and Air Bags - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Drivers Education - Have your child take driver's ed class if offered at their school.
  • Safety Course Discount - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Homeowners Pay Less - Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with certain companies.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see a list of providers with discount auto insurance rates in Florida, click here.

More Florida auto insurance information

Even more information is located at the Florida Office of Insurance Regulation website. Visitors are able to find out industry alerts, view a list of available companies, discover disciplinary actions, and file complaints about an insurance agent or broker.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Live Oak insurance agents.