Car Insurance in Orange City Florida - 7 Tricks to Save Money

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not alone.

You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Take advantage of discounts

Companies don't list every discount very clearly, so we researched some of the more common and also the lesser-known savings tricks you should be using.

Claim Free - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
No Charge for an Accident - Certain companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates when shopping for car insurance.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise about savings after switching your coverage to them. How does each company make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications gets the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be quoted more money and ends up with business going elsewhere. The ads say "customers who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the way they do. This emphasizes why you should compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Florida car insurance

Even more information is located at the Florida Office of Insurance Regulation website. Consumers can read industry bulletins, report car insurance fraud, file complaints about an insurance agent or broker, and learn about insurance regulations.

Shop smart and save

Cheaper car insurance can be purchased from both online companies as well as from independent agents in Orange City, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer you the ability to get quotes online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.