7 Best Tricks to Cut Car Insurance Costs in Orange Park, FL

Are you sick and tired of paying out the nose each month for car insurance? You are in the same boat as most other car owners in Florida. Big companies like GEICO and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Just because you found the best price last year a different company probably has better rates today. Forget all the misinformation about car insurance because you're about to find out the quickest way to get good coverage at a lower rate.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Finding affordable coverage in Orange Park is not that difficult. Florida consumers only need to know how to compare company rates on the web.

Be sure to get all your discounts

Car insurance companies do not list every available discount in a way that's easy to find, so we took the time to find both the well known as well as the least known car insurance savings. If you aren't receiving every discount available, you are throwing money away.

  • Passive Restraint Discount - Vehicles with factory air bags can qualify for discounts of 20% or more.
  • No Accidents - Claim-free drivers can save substantially compared to drivers who are more careless.
  • Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break on your policy.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with certain companies.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Resident Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Homeowners Pay Less - Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, you won't be that lucky.

Florida car insurance

Is there truth in advertising?

Consumers in Florida get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the ads say the same thing about savings if you change to their company.

How can each company claim to save you money?

All companies can use profiling for the driver that earns them a profit. For example, a preferred risk might be over the age of 40, is a homeowner, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money which usually ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully claim big savings. That is why drivers should get as many comparisons as possible. It's just too difficult to predict the company that will give you the biggest savings.

Even more information can be found at the Florida Office of Insurance Regulation website. Visitors are able to find out industry alerts, read industry bulletins, find out which companies have the most complaints, and download brochures.

A tidy conclusion

We just covered a lot of information how to reduce car insurance prices online. It's most important to understand that the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like .

The cheapest car insurance can be sourced both online and also from your neighborhood Orange Park agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.