Car Insurance in North Miami Bch - 8 Discounts to Save Money

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse.

Lots of contend for your business, so it can be very hard to choose a to get the lowest rate

It's important to shop coverage around at least once a year since rates are constantly changing. Even if you got the best rates last year you can probably find a better price now. You can find a lot of wrong information about car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.

More discounts equal less premium

Companies don't always publicize all their discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known discounts you could be receiving.

Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Life Insurance Discount - Some companies give lower rates if you buy life insurance.
Drive Less and Save - Fewer annual miles could qualify for a substantially lower rate.
Bundle and Save - If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Organization Discounts - Being a member of certain professional organizations may earn a discount on car insurance.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course if it's offered in school.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

To choose companies who offer car insurance discounts in North Miami Bch, click here.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim that you can save after switching your coverage to them. How do they all claim to save you money?

Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured might be between 25 and 40, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will have to pay higher premiums and this can result in the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Find out more about car insurance

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Visitors are able to learn about insurance regulations, discover disciplinary actions, file complaints about an insurance agent or broker, and find disaster information.

Affordable insurance is out there

As you prepare to switch companies, you should never buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford.

Affordable car insurance can be purchased both online as well as from independent agents in North Miami Bch, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and most of the time these small insurance companies sell through independent agents.