Comparing Cheap Rockledge Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other Florida consumers. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

Choosing the best insurance company for you in Rockledge is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Florida consumers only need to know the most efficient way to shop their coverage around over the internet.

Fast and Easy Rockledge Auto Insurance Quotes

Most major insurance companies like Allstate, GEICO and Progressive provide coverage price quotes on the web. Getting online quotes is fairly simple as you just enter the amount of coverage you want into the quote form. Behind the scenes, their system will obtain credit information and your driving record and returns a price quote based on these and other factors. Being able to quote online streamlines rate comparisons, but the time required to go to multiple sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.

A less time-consuming method to find cheaper rates requires only one form to get prices from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable. After sending your information, it gets priced and you can select any one of the returned quotes. If you find a better price you can simply submit the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with coverages and limits as close as possible to your current policy. This way, you will receive a rate comparison based on similar coverages.

Tips to Get Lower Rockledge Rates

It's important that you understand some of the elements that help determine auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in big savings.

The following are some of the items used by your company to calculate premiums.

Don't skimp on liability - Liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Special features that cut premiums - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Where you reside plays a part - Being located in less populated areas is a positive aspect when buying auto insurance. City drivers have to deal with more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
Do men or women drive better? - The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Occupations such as real estate brokers, architects and financial analysts have higher average rates due to high stress levels and lots of time spent at work. Conversely, jobs such as farmers, engineers and performers get better rates.
Little extras can really add up - There are a ton of extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages for personal injury protection, accidental death and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.
Where do you drive? - Driving more miles every year the more you'll pay to insure your vehicle. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage shows the proper vehicle usage.

More discounts equal less premium

Companies don't always advertise all available discounts very clearly, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If you're not getting every credit available, you're just leaving money on the table.

Club Memberships - Affiliation with a qualifying organization could qualify you for a break when buying auto insurance.
Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Senior Discount - Older drivers may be able to get a small decrease in premiums.
Claim Free - Claim-free drivers pay less when compared with frequent claim filers.
Driver Safety - Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
Homeowners Pay Less - Owning a home in Rockledge may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of insurers who offer auto insurance discounts in Florida, follow this link.

Even more information can be read at the Florida Office of Insurance Regulation website. Florida drivers can find out which companies have the most complaints, view a list of available companies, view agent and company licensing information, and learn about insurance regulations.

And the best car insurance company is...

The cheapest auto insurance can be purchased on the web as well as from independent agents in Rockledge, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not reduce needed coverages to save money. In too many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.