North Palm Beach Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of auto insurance options in North Palm Beach? Lot's of other consumers are too. Drivers have so many options available that it can turn into a ton of work to find lower rates.

It's important to price shop coverage at least once a year since insurance rates are constantly changing. Despite the fact that you may have had the best deal a couple years back there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because it's time to teach you the proper way to lower your annual insurance bill.

Buying affordable protection in North Palm Beach is simple if you know the tricks. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Florida consumers only need to know the tricks to compare prices over the internet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Men pay higher rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes have accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
Do you need those extra coverages? - There are a ton of extra coverages that you can buy if you aren't careful. Coverages for vanishing deductibles, towing coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
Teen drivers pay high rates - Teenage drivers in Florida are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Proper usage rating affects rates - Driving more miles in a year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance coverage shows the proper vehicle usage, because it can save money.
Keep rates low by being claim-free - Car insurance companies in Florida provide lower rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Safer occupants lowers premiums - Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates.
Traffic citations inflate rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Comprehensive North Palm Beach Auto Insurance Comparison Quotes

Effectively comparing auto insurance prices can take hours if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in North Palm Beach, or you could save time and use online quotes to get prices fast.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company then gives them pricing determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for.

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

The only downside to using this type of system is you don't know exactly which providers to receive prices from. So if you want to select from a list of companies to receive pricing from, we put together a list of auto insurance companies in Florida. Click to view list.

Which method you use is up to you, but compare identical coverage information on every quote. If your comparisons have unequal deductibles or liability limits it's impossible to make a fair comparison in North Palm Beach.

How much can you save with discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but some must be asked about before they will apply. If you're not getting every credit possible, you are paying more than you should be.

Senior Discount - If you're over the age of 55, you may be able to get a discount up to 10%.
Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
College Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Drivers Education - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Military Discounts - Having a deployed family member may qualify for rate reductions.
Discount for Good Grades - This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

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

Save 15 percent in 15 minutes? Is it for real?

Florida drivers can't ignore all the ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching your policy.

How does each company say the same thing?

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured might be profiled as over the age of 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile receives the best rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher rates which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the way they do.

Because of the profiling, you need to get as many quotes as possible. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Additional information is available on the Florida Office of Insurance Regulation website located here. Florida drivers can learn about insurance regulations, discover disciplinary actions, and read enforcement actions against agents and companies.

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

In the end, you save

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. There are many occasions where an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford.

The cheapest auto insurance can be bought on the web in addition to many North Palm Beach insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

Consumers change insurance companies for a number of reasons such as denial of a claim, delays in responding to claim requests, not issuing a premium refund or even delays in paying claims. It doesn't matter what your reason, choosing a new insurance company is easier than you think.