10 Tricks to Save on Car Insurance in Macclenny, FL

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are a lot of people in Macclenny just like you who feel imprisoned by their car insurance policy.

Numerous battle for your business, so it can be very hard to choose a and uncover the absolute lowest rate

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates in Macclenny is not that difficult. Although Florida consumers do need to know the way companies compete online.

compare Macclenny car insurance rates

How to Compare Car Insurance in Macclenny, Florida

All major car insurance companies such as State Farm, Allstate and GEICO provide coverage prices online. Getting quotes is quite simple as you simply type in the coverages you want as detailed in the form. After the form is submitted, the system will obtain your driving record and credit report and gives you a price quote based on these and other factors. Online price quotes helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

The preferred way to lower your rates is to use a quote form that gets prices from many companies. The form is fast, requires less work, and makes quoting online much easier to do. Immediately after submitting the form, it gets priced and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you input as close as possible to your current policy. This makes sure you will receive rate comparison quotes for the exact same coverage.

These ten discounts can lower your rates

Companies don't always advertise every discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Multiple Vehicles - Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Senior Citizens - If you're over the age of 55, you may be able to get better car insurance rates.
  • Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Paperwork-free - Certain companies may give you up to $50 for buying your policy on their website.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • No Accidents - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Organization Discounts - Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance.
  • Homeowners Discount - Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

To choose insurance companies who offer car insurance discounts in Macclenny, click here to view.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on television and other media. They all make an identical promise about savings after switching to their company. How do they all claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. A good example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. Any new insured who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates and ends up with the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully claim big savings. This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Even more information can be read at the Florida Office of Insurance Regulation website. Visitors are able to view a list of available companies, report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.

Do the work, save more money

The cheapest car insurance can be bought both online and also from your neighborhood Macclenny agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online price quotes and these small insurance companies work with independent agents.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There have been many situations where someone sacrificed collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.