Easy Tips to Pay Less on Delray Beach Auto Insurance

If you are a novice to online auto insurance shopping, it's easy to be confused by the large number of auto insurance companies selling insurance in Delray Beach.

Buying car insurance in Delray Beach is easy if you know what you're doing. If you have car insurance now, you should be able to lower your premiums substantially using these methods. But Florida consumers do need to know how companies price online insurance and apply this information to your search.

Take advantage of discounts

Car insurance companies don't always advertise all available discounts very well, so we took the time to find both the well known and the more hidden ways to save on auto insurance.

Homeowners Savings - Owning a home in Delray Beach may earn you a small savings because owning a home is proof that your finances are in order.
Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
Accident Forgiveness - Some insurance companies permit an accident without raising rates so long as you haven't had any claims prior to the accident.
Auto/Life Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
No Accidents - Good drivers with no accidents can save substantially when compared with frequent claim filers.
Defensive Driver - Completing a defensive driving course can save you 5% or more depending on where you live.
Student in College - Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way.

For a list of insurers offering auto insurance discounts in Florida, click this link.

Vehicle Insurance Comparison

There are several ways of comparing rates from different Delray Beach insurance companies. The recommended way to find the lowest rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do separate forms for every auto insurance company. Just one form compares rates from several companies. Just one form and you're done.

A slightly less efficient method to compare rate quotes is going to each individual company website to request a price quote. For sake of this example, let's say you want to compare , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why most consumers use the first method.

To view a list of companies in Delray Beach, click here.

It's up to you how you get prices quotes, just be sure to compare apples-to-apples coverage limits and deductibles for each price quote. If you enter different liability limits it will be impossible to truly determine the lowest rate in Delray Beach. Having just a slight variation in insurance coverages may result in a large different in cost. Keep in mind that getting more free quotes gives you a better chance of getting the best rates.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Florida?
I have good health insurance, so how much medical payments coverage do I need?
What are the financial responsibility laws in Florida?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Final considerations

Budget-conscious auto insurance can be found both online and also from your neighborhood Delray Beach agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We covered some good ideas how to get a better price on auto insurance. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. Drivers may discover the most savings is with an unexpected company.

As you prepare to switch companies, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.