Free Guide to Paying Less for St Augustine Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer's remorse. Numerous battle for your insurance dollar, so it can be very hard to choose a and get the definite lowest price

If you have a policy now or are shopping for new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Finding affordable coverage in St Augustine is not that difficult. Florida consumers only need to know the tricks to compare rates on the web.

How to Compare St Augustine Auto Insurance Costs

Getting better auto insurance pricing is a fairly straight forward process. Consumers just need to take the time comparing rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method eliminates the need for repetitive form submissions for every auto insurance company. Completing one form will get you price quotes from multiple companies.

A more difficult way to shop for auto insurance online requires a visit to the website of each company to complete their respective quote request forms. For sake of this example, we'll pretend you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in St Augustine, click here.

The least efficient method of getting rate comparisons is to drive around to local St Augustine insurance agencies. The internet makes this process obsolete unless you require the trained guidance of a local St Augustine agent. You can, however, compare the best prices online but buy from a local insurance agent. We'll cover that shortly.

Whichever way you use, compare the exact same coverage limits on every quote you get. If each company quotes differing limits it's impossible to determine which rate is truly the best in St Augustine.

Why some people pay less for insurance in St Augustine

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to lower auto insurance prices.

Your stress level may be raising your rates - Careers like doctors, architects and accountants tend to pay higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations like actors, athletes and retirees have the lowest average rates.
Choose a safe vehicle and save - Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you.
Don't skimp on liability - Your policy's liability coverage provides coverage when a court rules you are at fault for damages from an accident. It provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Your credit rating is important - Having a bad credit score is a important factor in calculating your auto insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit history is low, you could be paying less to insure your by repairing your credit.
Proper usage rating affects rates - The higher the mileage driven in a year the higher your rate. Most companies apply a rate 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 declarations sheet is showing the correct usage for each vehicle, because it can save money.
Too many auto insurance claims drive up costs - Companies in Florida provide better rates to insureds who file claims infrequently. If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for the large, substantial claims.
Careful drivers pay lower rates - A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can increase rates by as much as thirty percent. Good drivers have lower premiums than their less careful counterparts. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list every discount in an easy-to-find place, so here is a list both well-publicized as well as the least known auto insurance savings. If they aren't giving you every credit possible, you're just leaving money on the table.

Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Low Mileage Discounts - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Club Memberships - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
Discount for New Cars - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Federal Government Employee - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, you won't be that lucky.

For a list of insurance companies with discount auto insurance rates in St Augustine, follow this link.

Even more information is available at the Florida Office of Insurance Regulation website. Florida consumers can read industry bulletins, find disaster information, find out which companies have the most complaints, and find out industry alerts.

And the best car insurance company is...

The cheapest auto insurance is attainable online and with local St Augustine insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer online quoting and these smaller companies work with independent agents.

While you're price shopping online, never reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.