6 Methods to Save on Car Insurance in Oakland Park Florida

Purchasing affordable Oakland Park car insurance on the web can be rather challenging for beginners to buying insurance on the web. Because there are so many companies in the marketplace, how can you possibly compare every one to find the best available rates?

Take advantage of discounts

Car insurance companies don't necessarily list every discount very clearly, so the following is a list of both the well known and the harder-to-find ways to save on car insurance. If you're not getting every credit you deserve, you are throwing money away.

  • Claim Free - Drivers who don't have accidents pay less when compared to drivers who are more careless.
  • Paperwork-free - A few companies may give you up to $50 just for signing your application over the internet.
  • Distant Student - Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Auto/Life Discount - Some companies give a discount if you purchase life insurance.
  • Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
  • Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.

It's important to note that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, you're out of luck.

Are car insurance companies telling the truth?

Consumers in Florida get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make the same claim that you can save after switching your coverage to them.

How does each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be quoted more money which leads to the customer not buying. The ad wording is "drivers who switch" not "people who quote" save that much money. This is how insurance companies can advertise the way they do. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

For more Florida car insurance information

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Visitors are able to read industry bulletins, get help finding coverage, and read enforcement actions against agents and companies.

Also read more on this online resource for car insurance quotes in Florida and this list of insurance agents in Oakland Park.

A tidy conclusion

Insureds change insurance companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, not issuing a premium refund and even delays in paying claims. No matter why you want to switch, switching car insurance companies is less work than it seems.

Lower-priced car insurance can be bought both online as well as from independent agents in Oakland Park, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.