Find Cheaper Middleburg Car Insurance

Are you intimidated by the sheer number of car insurance options in Middleburg? Lot's of other consumers are too. Drivers have so many choices that it can turn into a real challenge to find the best price.

It's important to compare prices every six months since rates are constantly changing. Just because you had the lowest rates last year the chances are good that you can find a lower rate today. So block out anything you think you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding the cheapest coverage in Middleburg is not that difficult. Although Florida car owners do need to know how big insurance companies sell insurance online and use this information to your advantage.

How much can you save with discounts?

Companies that sell car insurance don't always advertise every available discount in an easy-to-find place, so we break down some of the more common and also the lesser-known discounts you could be receiving.

Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
Homeowners Discount - Being a homeowner can save you money because owning a home is proof that your finances are in order.
Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
E-sign - Certain companies will give a small break for buying your policy on their website.
No Charge for an Accident - A few companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won't be that lucky.

To see a list of providers offering car insurance discounts in Middleburg, click here.

Compare Quotes for Middleburg Car Insurance

Comparing car insurance rates can be exhausting if you aren't aware of the fastest way to get free quotes. You can waste a lot of time talking to local insurance agents in Middleburg, or you could use the web to get pricing more quickly.

Many insurance companies enroll in a system that allows shoppers to send in one quote, and at least one company can give them a price determined by their information. This prevents consumers from doing form submissions for each company you want a rate for. To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is that consumers can't choose which carriers you want to price. If you prefer to choose specific providers to request quotes from, we put together a list of companies who write car insurance in Florida. Click here for list of insurance companies in Florida.

However you get your quotes, ensure you are comparing the exact same coverages and limits for each comparison quote. If your comparisons have different deductibles you can't possibly determine the lowest rate in Middleburg. Slightly different coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding a lower rate.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that go into determining your car insurance rates. Understanding what impacts premium levels enables informed choices that can help you get lower car insurance prices.

Multiple policies with one company can save - Most insurance companies give discounts to policyholders who have multiple policies with them. It's known as a multi-policy discount. This can amount to 10 percent or more. Even if you're getting this discount it's still a good idea to compare rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, or theft. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
Tickets mean higher rates - Your driving record impacts your car insurance rates tremendously. Careful drivers get better rates than bad drivers. Even a single moving violation can boost insurance rates forty percent or more. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Policy add-ons can waste money - There are many extra coverages you can purchase on your policy. Coverages like vanishing deductibles, better glass coverage and term life insurance are some examples. These may sound like a good investment initially, but if they're wasting money get rid of them and save.
Being married is a good thing - Having a spouse can actually save you money on car insurance. Marriage means you're more responsible and statistics show being married results in fewer claims.
Are you male or female? - Statistics demonstrate that men are more aggressive behind the wheel. That doesn't necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but men cause more damage. Men also get more serious tickets such as reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads have a common claim about savings if you switch to their company. How do they all make the same claim? It's all in the numbers.

All companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk could be between 30 and 50, has no driving citations, and drives newer vehicles. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will be charged higher prices and this can result in business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully claim big savings. That is why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, you should never reduce coverage to reduce premium. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that it was a big mistake. The aim is to buy enough coverage at the best price, not the least amount of coverage.

The cheapest car insurance is available from both online companies and also from your neighborhood Middleburg agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

You just learned a lot of techniques to compare car insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small mutual company.

Learn more about Florida car insurance

Even more information can be found at the Florida Office of Insurance Regulation website. Consumers can read consumer alerts, report car insurance fraud, and file complaints about a company.