Hialeah Auto Insurance For Less Than You're Paying Now
Buying cheap Hialeah auto insurance on the internet is rather challenging for people who are new to online price comaprisons. Because there are so many online companies, how can you possibly compare them all to find the lowest rates?
Take advantage of discounts
Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so we researched both the well known and the more hidden auto insurance savings. If they aren't giving you every credit you deserve, you are throwing money away.
- Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Accident Waiver - A few companies permit an accident before your rates go up if your claims history is clear prior to the accident.
- Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Multi-car Discount - Insuring more than one vehicle on one policy could earn a price break for each car.
- Own a Home - Simply owning a home may trigger a auto insurance policy discount because owning a home shows financial diligence.
- Government Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, auto insurance companies aren't that generous.
Are auto insurance companies telling the truth?
Consumers in Florida get pounded daily by advertisements for car insurance savings from companies such as State Farm, Allstate and GEICO. They all say the same thing about savings if you switch your policy.
How do they all claim to save you money?
All companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer might be over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will cut their rates substantially.
Consumers who don't qualify for the "perfect" profile will be quoted higher rates which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that kind of money. This is how companies can truthfully make those claims. This emphasizes why you should get quotes from several different companies. It's impossible to know which insurance companies will have the lowest rates.
Even more information is located at the Florida Office of Insurance Regulation website. Visitors are able to view a list of available companies, learn about insurance regulations, and read consumer alerts.
Best coverage at the best price
Consumers switch companies for many reasons like unfair underwriting practices, denial of a claim, policy cancellation and even lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.
Cheap auto insurance can be found both online in addition to many Hialeah insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.
While you're price shopping online, never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.
