Tightwads Tips for Saving on Palm Coast Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are a lot of people in Palm Coast just like you who feel imprisoned by their car insurance policy. You have so many to buy insurance from, and although it's a good thing to be able to choose, lots of choices makes it harder to compare rates.

Tips to Get Lower Palm Coast Rates

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Listed below are some of the factors used by your company to calculate prices.

Your occupation can affect rates - Did you know your occupation can influence how much you pay for car insurance? Careers like doctors, architects and financial analysts have higher average rates in part from high stress and lots of time spent at work. Conversely, professions such as actors, engineers and homemakers get better rates.
Extra add-on coverages are wasting money - There are many extra coverages that can waste your money when buying car insurance. Coverages for roadside assistance, accident forgiveness and additional equipment coverage are examples of these. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
Poor driving leads to higher costs - A bad driving record has a lot to do with how much you pay for insurance. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Just one speeding ticket can bump up the cost forty percent or more. If you have serious violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
With age comes lower rates - Youthful drivers in Florida are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, file fewer claims and receive fewer citations.
Drive less and save money - The more miles you rack up on your car in a year the higher your rate. Almost all companies charge to insure your cars based on their usage. Vehicles not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your car insurance policy shows how each vehicle is driven, because it can save money.
Better crash test results mean better rates - Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates.
More claims means more premium - If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies in Florida provide lower rates to drivers who do not file claims often. Insurance coverage is intended for the large, substantial claims.

Save big with these discounts

Auto insurance companies don't list every discount very clearly, so here is a list both the well known and the harder-to-find car insurance savings. If you're not getting every credit possible, you are paying more than you should be.

Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
Discount for Good Grades - This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
Distant Student - Children who live away from home and do not have a car may qualify for this discount.
Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.

It's important to note that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.

To choose insurance companies offering car insurance discounts in Florida, follow this link.

Car insurance ads bend the truth

Consumers in Florida can't ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all say the same thing that you can save if you switch your coverage to them.

How does each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer might be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted higher premiums which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save that much money. That's the way insurance companies can advertise the way they do. This emphasizes why you should quote coverage with many companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

Additional detailed information is available at the Florida Office of Insurance Regulation website. Visitors are able to read industry bulletins, discover disciplinary actions, file complaints about a company, and read enforcement actions against agents and companies.

And the best car insurance company is...

Lower-priced car insurance is available both online as well as from independent agents in Palm Coast, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies don't offer online price quotes and these smaller companies work with independent agents.

We just covered a lot of tips how to save on car insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a lesser-known regional company. Some small companies often have lower prices on specific markets than their larger competitors like .