Proven Ways to Save on South Daytona Car Insurance

I can't think of a single person who likes having to buy car insurance, especially when they are paying too much.

Having so many options when it comes to car insurance, it is very difficult to locate the right insurance company.

It's important to shop coverage around occasionally since rates are constantly changing. Just because you had the best deal last year a different company probably has better rates today. So forget anything you know (or think you know) about car insurance because we're going to show you the only way to find better rates and still maintain coverage.

Are you getting all your discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Most are applied when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount.

  • Early Signing - A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • E-sign - Some insurance companies will give a small break for buying your policy online.
  • Homeowners Savings - Being a homeowner may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Claim Free - Good drivers with no accidents can earn big discounts compared to drivers who are more careless.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

Florida car insurance

Tips to Get Lower South Daytona Rates

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get better car insurance rates.

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

  • Tickets mean higher rates - Drivers who don't get tickets receive lower rates than bad drivers. Just one moving violation can bump up the cost twenty percent or more. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • High credit ratings translate to low rates - Your credit score is a large factor in determining your rates. If your credit rating is lower than you'd like, you could potentially save money when insuring your by improving your rating. People with excellent credit tend to be more responsible than drivers who have poor credit.
  • Bundling policies can get discounts - Most companies give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare other company rates to verify if the discount is saving money.
  • Your spouse saves you money - Being married can actually save you money when buying car insurance. Marriage translates into being more responsible and it's statistically proven that married couples file fewer claims.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Each situation is unique and a cookie cutter policy won't apply. For instance, these questions might point out whether you could use an agent's help.

  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my vehicle covered for flood damage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch your coverage to them. But how can every company make the same claim?

Different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a preferred risk could be over the age of 40, owns a home, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will be charged higher premiums which usually ends up with business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save that much money. That is how companies can truthfully advertise the savings.

That is why drivers should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Additional information is available on the website for the Florida Office of Insurance Regulation through this link. Consumers can file complaints about a company, find out industry alerts, read consumer alerts, and get help finding coverage.

Also read more on III.org's auto insurance page and this directory of insurance agents in South Daytona Florida.

South Daytona car insurance quote

Final considerations

You just learned a lot of tips how to reduce car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

As you prepare to switch companies, do not skimp on coverage in order to save money. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cheap car insurance is available from both online companies as well as from independent agents in South Daytona, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.