How to Find Low-Cost Greenacres Auto Insurance

Purchasing the cheapest Greenacres auto insurance on the internet can be rather challenging for consumers new to comparing rates online. When there are so many choices, how can consumers even start to compare the different rates to find the best available price?

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in better auto insurance rates.

  • Higher deductibles cost less - Your deductibles represent how much money you are required to spend in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage caused by hail, and rolling your vehicle. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
  • Proper usage rating affects rates - Driving more miles in a year's time the more you'll pay to insure your vehicle. Most insurance companies price each vehicle's coverage based on their usage. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women have accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Young males are most likely to cause an accident and are penalized with high auto insurance rates.
  • Poor credit can mean higher rates - A driver's credit history is a important factor in determining what you pay for auto insurance. If your credit is not that good, you could save money insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit scores.
  • Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, architects and stock brokers tend to have the highest rates because of high stress and long work hours. On the other hand, occupations like pilots, students and performers receive lower rates.

Policy discounts you shouldn't miss

Auto insurance companies don't always list all available discounts very well, so here is a list some of the best known as well as the least known auto insurance savings.

  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Discount for Life Insurance - Some companies give a break if you buy life insurance from them.
  • Accident Waiver - Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
  • No Accidents - Drivers who don't have accidents can earn big discounts when compared with accident-prone drivers.

It's important to note that most credits do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, you're out of luck.

To choose insurers who offer auto insurance discounts in Florida, follow this link.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies say the same thing that you can save after switching to their company. But how can every company say the same thing?

Different companies have a preferred profile for the driver that makes them money. An example of a profitable customer might be profiled as between the ages of 40 and 55, has no prior claims, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile must pay a more expensive rate which usually ends up with business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the savings. This illustrates why you should quote coverage with many companies. It's not possible to predict which insurance companies will fit your personal profile best.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different.

For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in Florida?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Additional detailed information is available at the Florida Office of Insurance Regulation website. Florida drivers can report car insurance fraud, file complaints about an insurance agent or broker, and learn about insurance regulations.

Other informative sites include this page for Florida auto insurance and this page for help finding agents in Greenacres, FL.

Florida auto insurance quotes

Shop smart and save

Lower-priced auto insurance can be sourced on the web and also from your neighborhood Greenacres agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, don't be tempted to buy poor coverage just to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to save on auto insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies.