Free Guide to Paying Less for Yulee Auto Insurance Online

Have you had enough of trying to scrape together enough money each month for car insurance? Your situation is no different than the majority of other car owners in Florida. You have so many to pick from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Be sure to get all your discounts

Companies do not advertise all available discounts very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If you're not getting every credit available, you are throwing money away.

  • Military Discounts - Being on active duty in the military can result in better rates.
  • Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% depending on your company.
  • New Vehicle Savings - Insuring a new car is cheaper compared to insuring an older model.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.

It's important to note that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

auto insurance in Yulee

Is there truth in advertising?

Florida drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you move your policy.

How does each company say the same thing?

Different companies can use profiling for the right customer that earns them a profit. For example, a profitable customer might be profiled as between 25 and 40, is a homeowner, and has great credit. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards must pay more money and ends up with business not being written. The ads say "people who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can advertise the savings. This illustrates why you should get a wide range of price quotes. It's not possible to predict the company that will give you the biggest savings.

Additional detailed information can be found at the Florida Office of Insurance Regulation website. Florida drivers can find disaster information, find a variety of consumer forms, download brochures, and file complaints about an insurance agent or broker.

Also read more on this page for auto insurance prices in Florida and this page of Yulee insurance agents.

In the end, you save

Lower-priced auto insurance is definitely available on the web in addition to many Yulee insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.