Buy Low-Cost North Lauderdale Auto Insurance

Having to pay for overpriced auto insurance can drain your checking account and put the squeeze on your family's finances. Comparing price quotes is a great way to help make ends meet. Having so many different company options, it can be impossible to find the most cost effective provider.

It's important to get comparison quotes yearly since insurance rates are constantly changing. Just because you found the lowest rates a year ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.

Finding affordable coverage in North Lauderdale is quite easy. If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Florida drivers only need an understanding of the tricks to compare rates on the web.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with big savings.

Teen drivers pay high rates - Teenage drivers in Florida have a tendency to be more careless when driving so auto insurance rates are higher. Parents adding a youthful driver onto your auto insurance can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and are safer drivers.
Rate your vehicle for proper use - The higher the mileage driven in a year's time the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
Higher deductibles cost less - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, or theft. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
How many coverages with the same company - Some insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible.
More claims means more premium - Car insurance companies in Florida generally give discounts to policyholders who do not rely on their insurance for small claims. If you file claims often, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Compare Auto Insurance Today

Reducing your insurance rates is not a difficult process. Consumers just need to invest a little time to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form eliminates the need for repetitive form submissions to each individual auto insurance company. A single, simple form gets you price quotes from multiple companies.
A less efficient way to shop for auto insurance online requires a trip to each company's website and fill out their own quote form. For sake of this example, we'll pretend you want comparison quotes from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in North Lauderdale, click here.
The most time-consuming way of getting rate comparisons is to drive around to and from local North Lauderdale insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed North Lauderdale agents. It is possible to find lower rates online but buy from a local insurance agent and we'll touch on that later.

However you get your quotes, make sure you use apples-to-apples quote information for every quote you compare. If you enter mixed coverages it's not possible to determine the best price in North Lauderdale.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list all their discounts very well, so we break down some of the best known as well as the least known discounts you could be receiving. If you don't get every credit you deserve, you are paying more than you should be.

College Student - Youth drivers who attend school more than 100 miles from home and don't have a car can receive lower rates.
Life Insurance Discount - Larger companies have a break if you buy auto and life insurance together.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course if offered at their school.
Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Organization Discounts - Affiliation with a professional or civic organization may earn a discount on auto insurance.

It's important to understand that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose companies with discount auto insurance rates in Florida, click here.

Save $429 a year? Really?

Florida drivers can't ignore all the ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings if you change your policy.

But how can every company say the same thing?

All the different companies have a preferred profile for the right customer that makes them money. For example, a desirable insured might be profiled as over the age of 50, has no prior claims, and has excellent credit. A propective insured that hits that "sweet spot" 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 will have to pay higher prices and this can result in business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently make those claims. Because of the profiling, you need to get as many quotes as possible. It's not possible to predict which insurance companies will have the lowest rates.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether your personal situation may require specific advice.

Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?

If you can't answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

More tips and info about auto insurance can be found at the Florida Office of Insurance Regulation website. Florida drivers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, report car insurance fraud, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in North Lauderdale.

Best coverage at the best price

While you're price shopping online, do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford.

Low-cost auto insurance can be sourced on the web in addition to many North Lauderdale insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.