Searching for affordable Port Orange auto insurance on the internet can appear to be rather difficult for consumers who are new to comparing rates and buying auto insurance on the web. With such a large choice of companies, how can Port Orange drivers be able to compare each option to find better auto insurance prices?
It’s a good habit to do rate comparisons at least once a year because auto insurance rates change frequently. Just because you had the best rate at your last renewal other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to show you the things you must know in order to lower your annual insurance bill.
Buying affordable coverage in Port Orange is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Florida drivers only need to know the best way to compare company rates over the internet.
Cheaper Florida auto insurance rates with discounts
Auto insurance is expensive, but there could be available discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of quoting, but some must be inquired about in order for you to get them. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.
- Distant Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
- Safety Restraint Discount – Drivers who require all occupants to buckle up could cut 10% or more off the personal injury premium cost.
- Early Switch Discount – Some insurance companies reward drivers for renewing your policy prior to your current policy expiring. It could save around 10% when you .
- Anti-lock Brake System – Vehicles that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
- Discount for Life Insurance – Larger insurance companies have lower prices if you buy life insurance.
Drivers should understand that some of the credits will not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. So even though you would think you can get free auto insurance, auto insurance companies aren’t that generous.
A list of companies and a summarized list of policyholder discounts can be read below.
- State Farm has savings for student away at school, Steer Clear safe driver discount, Drive Safe & Save, good driver, and accident-free.
- Farmers Insurance may offer discounts for business and professional, youthful driver, pay in full, mature driver, distant student, and teen driver.
- GEICO may have discounts that include multi-vehicle, anti-theft, air bags, daytime running lights, defensive driver, and five-year accident-free.
- American Family offers discounts including good student, early bird, bundled insurance, TimeAway discount, and accident-free.
- Nationwide offers discounts for defensive driving, easy pay, anti-theft, family plan, accident-free, business or organization, and good student.
- Progressive has discounts for online quote discount, multi-vehicle, online signing, multi-policy, and good student.
When getting a coverage quote, ask every insurance company what discounts are available to you. Savings may not apply to policyholders in every state.
Comparing auto insurance rates can be exhausting if you don’t know the best way to get rate quotes. You could waste time discussing policy coverages with local insurance agents in Port Orange, or you can stay home and use online quotes to get rates in a matter of minutes.
Many insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and each company can provide price quotes based on the submitted data. This eliminates the need for quote requests to each individual auto insurance company.
To fill out one form to compare multiple rates now click here to start a free quote.
The single downside to pricing coverage this way is you can’t choose which companies you want pricing from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of low cost auto insurance companies in Florida. View list of Florida insurance companies.
How you compare quotes is your choice, just make sure you are using exactly the same coverage information for each price quote. If you have different liability limits then you won’t be able to determine which rate is truly the best in Port Orange.
Coverages available on your auto insurance policy
Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses for doctor visits, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as a broken windshield, theft, hitting a deer, fire damage and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverage – This pays for damage to your vehicle resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like rolling your car, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your vehicle.
Since many Florida drivers carry very low liability coverage limits (which is 10/20/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Liability insurance – This provides protection from damage that occurs to other people or property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as emergency aid, court costs, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible. Florida requires minimum liability limits of 10,000/20,000/10,000 but drivers should carry higher limits.
Lower rates by being persistent
Consumers switch companies for a variety of reasons including not issuing a premium refund, policy cancellation, lack of trust in their agent or even questionable increases in premium. Regardless of your reason for switching companies, finding the right auto insurance provider is not as difficult as it may seem.
When you , you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
You just learned many tips how you can shop for auto insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding . Consumers may even find the lowest rates are with the least-expected company.