Easy Techniques to Pay Less on Marathon Auto Insurance

Are you overwhelmed by the number of auto insurance options in Marathon? You have a lot of company. Drivers have so many companies to choose from that it can turn into a big hassle to find lower rates.

How to Compare Marathon Auto Insurance Costs

Comparing auto insurance rates can be a lot of work if you don't know the most efficient way to do it. You could spend your day driving to insurance agencies in Marathon, or you can stay home and use online quoting to quickly compare rates.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The only downside to pricing coverage this way is you are unable to specify which companies to get quotes from. So if you want to select specific providers to compare, we have assembled a list of the cheapest auto insurance companies in Florida. Click here for list of insurance companies in Florida.

Whichever method you choose, compare identical coverages and limits with every price quote. If you use different deductibles you will not be able to find the best deal in Marathon. Slightly different limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes helps locate a lower rate.

Good Decisions Result in Lower Rates

It's important that you understand the factors that go into determining the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, social workers and financial analysts tend to have higher average rates in part from high stress and lengthy work days. Conversely, occupations like actors, engineers and homemakers receive lower rates.
Do you need those extra coverages? - There are many extra coverages that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.
Cautious drivers pay less - A bad driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than bad drivers. Even a single speeding ticket can boost insurance rates forty percent or more. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Older drivers save more - Youthful drivers in Florida are statistically proven to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and are safer drivers.
Having a spouse can save you money - Being married can actually save you money on auto insurance. Having a significant other means you're more mature it has been statistically shown that being married results in fewer claims.
High performance equals high price - The performance level of the car you are buying insurance for makes a huge difference in determining your rates. The cheapest insurance rates are usually for low performance passenger cars, but there are many factors that impact the final cost.
Too many auto insurance claims drive up costs - If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in Florida generally give lower rates to drivers who are claim-free. Auto insurance is intended for the large, substantial claims.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be inquired about prior to getting the savings.

No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Defensive Driver - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
Distant Student - Youth drivers who live away from home and do not have a car can receive lower rates.
Paperwork-free - Certain companies may give you up to $50 just for signing your application over the internet.

It's important to note that some credits don't apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Florida, click here.

More information is available on the Florida Office of Insurance Regulation website. Click here for link. Visitors are able to read industry bulletins, discover disciplinary actions, and file complaints about a company.

Do the work, save more money

Drivers switch companies for any number of reasons including high rates after DUI convictions, questionable increases in premium, poor customer service and not issuing a premium refund. Regardless of your reason, switching auto insurance companies is not as hard as you think.

Lower-priced auto insurance is available both online and also from your neighborhood Marathon agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.

We covered a lot of ways to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a lesser-known regional company.