Best Way to Find Low-Cost Virginia Gardens Car Insurance

Are you overwhelmed by the wide range of car insurance company choices in Virginia Gardens? Many other drivers are as well. You have so many options available that it can turn into a lot of work to compare prices.

It's important to compare rates at least once a year due to the fact that insurance rates are constantly changing. Just because you had the best rates a couple years back a different company probably has better rates today. There is a lot of wrong information about car insurance online, so we're going to give you some great ways to find cheap car insurance.

Finding the best rates in Virginia Gardens is easy if you know what you're doing. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Florida vehicle owners just need to know the proper way to buy car insurance online.

Are you getting all your discounts?

Companies don't necessarily list every available discount very well, so the following is a list of both the well known and also the lesser-known car insurance savings. If you don't get every credit possible, you are throwing money away.

  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Early Signing - Some companies give discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Resident Student - Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Multi-policy Discount - If you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • 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.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with certain companies.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

Virginia Gardens car insurance quote

You have some control over your rates

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get big savings.

Listed below are some of the items car insurance companies consider when setting your rates.

  • One company can mean more discounts - Most companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare other company rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Do you need the policy add-ons? - There are many extra coverages you can purchase when buying car insurance. Things like rental car reimbursement, better glass coverage and term life insurance are examples of these. They may seem like a good idea initially, but if they're wasting money remove them from your policy.
  • What type of vehicle do you drive? - The performance level of the car you drive makes a huge difference in how high your rates are. The lowest base rates tend to be for low performance passenger vehicles, but the cost you end up paying is determined by many additional factors.
  • Bad driving skills means higher rates - Your driving record has a big impact on rates. Careful drivers get better rates than bad drivers. Just one ticket can boost insurance rates forty percent or more. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Older drivers pay less - Youthful drivers in Florida are statistically proven to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and get fewer tickets.
  • Your location is important - Choosing to live in less populated areas has it's advantages when talking about car insurance. City drivers tend to have congested traffic and longer commutes to work. Fewer people translates into fewer accidents and a lower car theft rate.
  • How credit affects car insurance rates - Your credit score is a big factor in calculating your car insurance rates. If your credit score is lower than you'd like, you could potentially save money when insuring your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.

How can Allstate and Progressive save drivers who switch?

Consumers in Florida get pounded daily by advertisements that promise big savings by Allstate and Progressive. All the ads say the same thing that you'll save big if you switch to their company.

But how can every company claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk might be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged higher prices which usually ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save that much. That's the way companies can advertise the way they do. That is why drivers should compare many company's rates. You cannot predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

More detailed Florida car insurance information can be read at the Florida Office of Insurance Regulation website. Visitors are able to read consumer alerts, discover disciplinary actions, and learn about specific coverages.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Virginia Gardens agent directory.

car insurance in Virginia Gardens

Best coverage at the best price

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. Too many times, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Discount car insurance is available both online and also from your neighborhood Virginia Gardens agents, so you should compare both so you have a total pricing picture. Some car insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just presented many ways to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the most savings is with a small mutual company.