Free Guide to Saving Money on Ormond Beach Auto Insurance Online

Having to pay for overpriced auto insurance can overdraw your bank account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. With consumers having so many choices, it's nearly impossible to choose the lowest price insurance company.

It's important to compare prices yearly because insurance rates are constantly changing. If you had the best rates last year you may be paying too much now. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Buying car insurance in Ormond Beach is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Florida drivers only need an understanding of the proper way to get comparison rates online.

Where Can I Get Cheap Ormond Beach Auto Insurance?

Getting better auto insurance pricing doesn't have to be difficult. You just have to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quotation requests for each company. A single, simple form will return price quotes from auto insurance companies with the best prices.

A less efficient way to get quotes online consists of visiting each individual company website to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Ormond Beach, click here.

It's your choice how you get your quotes, but make sure you use apples-to-apples deductibles and coverage limits on every quote you get. If you have different values for each quote it will be very difficult to determine which rate is truly the best in Ormond Beach.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with better auto insurance rates.

The list below includes some of the items auto insurance companies consider when setting rates.

  • Pay less after the wedding - Getting married actually saves money on your policy. It means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Lower miles equals lower premium - The more you drive in a year's time the more you will pay for auto insurance. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance policy properly reflects the correct driver usage.
  • Lower rates with optional equipment - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Multiple policies with one company can save - The majority of insurers will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to shop around to ensure the best deal.
  • Don't get talked into coverage you don't need - There are a lot of add-on coverages that you can buy on your auto insurance policy. Things like roadside assistance, towing coverage and term life insurance may be costing you every month. They may seem good when talking to your agent, but if they're wasting money remove them from your policy.

Save big with these discounts

Car insurance companies don't list all their discounts very well, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you don't get every credit you deserve, you're just leaving money on the table.

  • Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Discount for New Cars - Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • Sign Online - Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Save over 55 - Older drivers can possibly qualify for better auto insurance rates.
  • Government Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.

Consumers should know that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

For a list of companies with the best auto insurance discounts in Florida, click here to view.

But I don't know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone's situation is unique so your insurance should reflect that These are some specific questions can help discover if your situation would benefit from an agent's advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?
  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

More tips and info about auto insurance can be read at the Florida Office of Insurance Regulation website. Florida consumers can get help finding coverage, file complaints about an insurance agent or broker, view a list of available companies, and read consumer alerts.

Other useful links include this site for Florida auto insurance information and see this list of insurance agents in Ormond Beach.

Florida auto insurance quotes

A tidy conclusion

Cost effective auto insurance is possible online and also from your neighborhood Ormond Beach agents, so you should compare both to have the best selection. A few companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, do not reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price.