Easy Methods to Save Money on Boynton Beach Car Insurance

Comparison shopping for Boynton Beach car insurance is a challenge for people who are new to comparing rates online. People have so many options that it can easily become a ton of work to locate the lowest price in Boynton Beach.

It's important to get comparison quotes once or twice a year since rates are constantly changing. Just because you had the best rates a year ago you may be paying too much now. There is too much inaccurate information about car insurance on the internet, so I'm going to show you some great ways to slash your car insurance rates.

Fast and Easy Boynton Beach Car Insurance Quotes

The are a couple different ways to compare rate quotes and find the best price. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in several different ways.

The first (and easiest) way consumers can analyze rates is a comparison rater form click to view form in new window. This method keeps you from doing repetitive form submissions for each company. Taking the time to complete one form will return quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A different way to shop for car insurance online is to take the time to go to each individual company website and complete a new quote form. For example, let's assume you want rates from , and . You would have to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Boynton Beach, click here.

Whichever way you use, double check that you are using identical coverages and limits on every quote. If you compare different deductibles it will be impossible to make a fair comparison in Boynton Beach. Just a small difference in limits could mean much higher rates. It's important to know that having more price comparisons helps locate a lower rate.

Understand what determines the rate you pay

It's important that you understand some of the elements that go into determining your car insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with better car insurance rates.

Listed below are some of the items that factor into rates.

Marriage pays dividends - Getting married can actually save you money when buying car insurance. It usually means you are more mature and it's proven that drivers who are married are more cautious.
High crash test scores lower rates - Safer cars are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
Tickets mean higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records have lower premiums than bad drivers. Just one speeding ticket may increase your cost by twenty percent. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Older drivers save more - Young drivers in Florida are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
How many coverages with the same company - Most companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
Your occupation can affect rates - Did you know your job can affect your rates? Jobs such as real estate brokers, architects and financial analysts are shown to have higher average rates because of high stress and long work hours. Conversely, occupations like farmers, engineers and homemakers pay the least.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, or theft. Your deductibles are how much you are willing to pay if you file a covered claim. The more expense the insured has to pay upfront, the less your company will charge you for insurance.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but some may not be applied and must be specifically requested before they will apply.

Homeowners Pay Less - Owning a house in Boynton Beach may trigger a car insurance policy discount because owning a home demonstrates responsibility.
Military Discounts - Having a deployed family member could mean lower rates.
Good Students Pay Less - Getting good grades can save 20 to 25%. The good student discount can last until age 25.
College Student - Children living away from home attending college and do not have a car can receive lower rates.
Bundle and Save - When you have multiple policies with one company you will save 10% to 20% off each policy.

It's important to note that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of companies offering car insurance discounts in Florida, follow this link.

More information can be read on the Florida Office of Insurance Regulation website located here. Consumers can get help finding coverage, find disaster information, and file complaints about a company.

The best insurance company isn't always the cheapest

Lower-priced car insurance is available from both online companies in addition to many Boynton Beach insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, poor customer service and not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

You just learned many ways to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company.