Proven Ways to Save on Pineland Auto Insurance

Expensive auto insurance can empty your checking account and put a big crunch on your finances. Comparison shopping is a smart way to help make ends meet.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates on a regular basis because prices are constantly changing. Just because you found the best deal six months ago you can probably find a better price now. So ignore everything you know about auto insurance because you're going to get a crash course in the only way to reduce your cost while increasing coverage.

Pineland Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

Cautious drivers pay less - Careful drivers have lower premiums compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Your spouse saves you money - Being married can get you a discount when buying auto insurance. Marriage means you're more responsible and it's proven that married drivers get in fewer accidents.
Women pay lower rates - Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men have accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
Add-on coverages can add up - There are a ton of add-on coverages you can purchase when buying auto insurance. Coverages for vanishing deductibles, better glass coverage and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate them to save money.
Rate your vehicle for proper use - Driving more miles in a year's time the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage, because it can save money.
Big city or small town - Residing in a rural area has it's advantages when talking about auto insurance. City drivers regularly have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but you can get discounts that you may not know about. Some discounts apply automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Good Student Discount - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
E-sign - Certain companies may give you up to $50 for buying your policy over the internet.
Senior Citizens - If you're over the age of 55, you may be able to get better auto insurance rates.
Driver Safety - Completing a defensive driving course could cut 5% off your bill if your company offers it.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To choose providers who offer auto insurance discounts in Florida, follow this link.

Save $429 a year? Really?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing about savings after switching to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that makes them money. An example of a preferred risk might be over the age of 50, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings.

That is why you should get a wide range of price quotes. It's impossible to know which insurance companies will have the lowest rates.

Additional information is available on the website for the Florida Office of Insurance Regulation located here. Visitors are able to file complaints about a company, get help finding coverage, learn about insurance regulations, and discover disciplinary actions.

Shop smart and save

We covered a lot of tips how to save on auto insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from the least-expected company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like .

Cheap auto insurance can be sourced both online and also from your neighborhood Pineland agents, and you should be comparing both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.