Consumer Tested Strategies to Save on Williston Auto Insurance

I can't think of a single person who cherishes buying auto insurance, in particular when the cost is way too high.

There is such a variety of to buy insurance from, and although it's a good thing to have a selection, so many choices can make it hard to compare rates.

More discounts equal less premium

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings.

Homeowners Savings - Owning a home in Williston may earn you a small savings because maintaining a house is proof that your finances are in order.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
Multiple Cars - Having all your vehicles on the same auto insurance policy could earn a price break for each car.
Paperless Signup - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
Military Discounts - Having a family member in the military could be rewarded with lower premiums.
No Claims - Good drivers with no accidents can save substantially when compared with bad drivers.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

To see a list of insurers with discount auto insurance rates in Florida, click this link.

Vehicle Insurance Comparison

Most companies like Allstate, GEICO and Progressive provide insurance quotes online. Getting online rates doesn't take much effort as you just enter your personal and coverage information into the quote form. Once you submit the form, the company's rating system will obtain your driving and credit reports and provides a quote determined by many factors. Quoting online makes it a lot easier to compare rates but the work required to visit each company's website and repetitively enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find a lower rate.

The preferred way to compare rates uses one simple form to get prices from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online much easier. After sending the form, it gets priced with multiple companies and you can pick any one of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To save time and find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you enter the limits and deductibles as close as possible to your current policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

Shown below are a few of the "ingredients" that factor into premiums.

What are your deductibles? - Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, damage from fire, and burglary. The higher the amount the insured has to pay upfront, the lower your rates will be.
Traffic violations increase rates - Only having one moving violation may increase your cost forty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
Liability coverage is cheap - Your policy's liability coverage is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
Being married can save on auto insurance - Having a spouse helps lower the price on your auto insurance policy. Having a spouse usually means you are more responsible and it's statistically proven that married couples file fewer claims.

It's not one size fits all

When choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if you might need an agent's assistance.

When do I need to add a new car to my policy?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
Does my personal policy cover me when driving my company car?
Am I covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Switch companies and save? Really?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies make the same claim about savings if you change your policy. How does each company make almost identical claims?

All companies have a certain "appetite" for the right customer that is profitable for them. For example, a profitable customer could possibly be between the ages of 30 and 50, a clean driving record, and has a short commute. A driver who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards must pay a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say "people who switch" not "everyone that quotes" save that kind of money. That is how companies can truthfully make the claims of big savings.

This illustrates why drivers must get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

The best insurance company isn't always the cheapest

Cheaper auto insurance can be sourced online in addition to many Williston insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented many ideas to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn't do a lot of advertising. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

Additional information can be found on the website for the Florida Office of Insurance Regulation through this link. Florida consumers can report car insurance fraud, file complaints about a company, find out which companies have the most complaints, and get help finding coverage.