8 Discounts Boca Raton Consumers Forget when Shopping for Car Insurance

Have you had enough of being strong-armed each month for car insurance? You are no different than many other Florida drivers.

Lots of contend for your business, so it's not easy to compare every and uncover the absolute lowest price

It's important to compare prices once or twice a year since rates are constantly changing. If you had the lowest rates last year you may be paying too much now. So forget all the misinformation about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

How to Compare Car Insurance Costs in Boca Raton

There are several ways you can shop for car insurance and some are easier and takes less work. You could spend your day talking to insurance agencies in Boca Raton, or you could save time and use the web to accomplish the same thing much quicker.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each company then gives them pricing based on that data. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify which companies to receive prices from. So if you want to select from a list of companies to compare rates, we put together a list of car insurance companies in Florida. View list of Florida insurance companies.

It doesn't matter which method you choose, just double check that you are using the exact same deductibles and coverage limits for every quote you compare. If you have different values for each quote it's impossible to determine the best price in Boca Raton. Just a small difference in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes will enable you to find better pricing.

Boca Raton car insurance comparison

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

  • 55 and Retired - Older drivers can possibly qualify for better car insurance rates.
  • Student Driver Training - Require your teen driver to complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Sign Online - A few companies will give a small break for buying your policy on their website.
  • Defensive Driving Course - Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

For a list of companies with the best car insurance discounts in Boca Raton, follow this link.

Additional information can be found on the website for the Florida Office of Insurance Regulation located here. Consumers can learn about insurance regulations, download brochures, view a list of available companies, and report car insurance fraud.

compare Boca Raton car insurance rates

Final considerations

As you prepare to switch companies, never reduce needed coverages to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at a price you can afford.

Cheap car insurance is possible from both online companies and also from your neighborhood Boca Raton agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.