Kendall Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance options in Kendall? Lot's of other consumers are too. Drivers have so many options available that it can turn into a real hassle to find the best price.

Be sure to get all your discounts

Companies that sell car insurance don't list every discount in an easy-to-find place, so we researched some of the best known and also the lesser-known discounts you could be receiving.

Payment Method - By paying your policy upfront instead of paying each month you can actually save on your bill.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
Life Insurance Discount - Some companies give lower rates if you buy a life insurance policy as well.
Military Rewards - Being deployed with a military unit may qualify for rate reductions.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.

It's important to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, you're out of luck.

To see a list of insurance companies who offer auto insurance discounts in Kendall, click here.

Compare Quotes for Kendall Auto Insurance

Effectively comparing auto insurance prices can be exhausting if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Kendall, or you could use online quotes to get pricing more quickly.

Many insurance companies participate in an industry program that allows shoppers to send in one quote, and each company provides a quote for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which carriers to get quotes from. If you prefer to choose specific providers to request quotes from, we have assembled a list of companies who write auto insurance in Florida. Click to view list.

However you get your quotes, ensure you are comparing the exact same information for every quote you compare. If you use higher or lower deductibles then you won't be able to determine the best price in Kendall. Slightly different limits can make a big difference in price. Just remember that quoting more will increase your chances of finding the best price.

What determines how much you pay?

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

Your car's features help determine rates - Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
Do you know your deductibles? - The deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you're willing to pay, the less your auto insurance will be.
Where do you drive? - Driving more miles in a year the higher your rate. Most companies price each vehicle's coverage based on their usage. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Safer cars cost less to insure - Cars with high safety ratings get lower rates. The safest vehicles result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you.
Too many auto insurance claims drive up costs - Companies in Florida generally give better rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
A clean driving record saves money - A bad driving record impacts your car insurance rates tremendously. Even one citation can increase rates twenty percent or more. Good drivers get better rates compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim that you can save after switching to them. How do they all say the same thing? It's all in the numbers.

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted higher prices and this can result in business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's the way insurance companies can advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Do the work, save more money

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, delays in paying claims or delays in responding to claim requests. Regardless of your reason, finding a new auto insurance company is actually quite simple.

Lower-priced auto insurance can be purchased on the web and with local Kendall insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

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