Easy Ways to Cut Costs on Pembroke Pines Auto Insurance

Buying the most affordable Pembroke Pines auto insurance over the internet is intimidating for consumers not familiar with buying insurance online. Since there are so many insurers available, how can consumers even start to compare every company to locate the cheapest rates?

It's important to get comparison quotes quite often since insurance rates are constantly changing. Just because you had the best price last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the proper way to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

Companies don't list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using.

College Student - Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Own a Home - Owning a house in Pembroke Pines can help you save on auto insurance because owning a home is proof that your finances are in order.
Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with big savings.

Listed below are a few of the "ingredients" that factor into rates.

Older drivers pay less - Teenage drivers in Florida are statistically proven to be more careless when driving so they pay higher auto insurance rates. If you've ever had to add 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.
Traffic citations inflate rates - Just one moving violation may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations like 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 continue driving.
High numbers of claims are not good - Car insurance companies in Florida award lower rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, business owners and financial analysts are shown to have higher average rates due to high stress levels and lots of time spent at work. Conversely, occupations like pilots, engineers and homemakers pay the least.
Increase deductibles and save - Coverage for physical damage, 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 collision with another vehicle, vandalism, or theft. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive.

Insurance agents can help

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's.

For example, these questions may help you determine whether your personal situation might need an agent's assistance.

Why does it cost so much to insure a teen driver in Pembroke Pines?
Should I file a claim if it's only slightly more than my deductible?
Should I buy only the required Florida minimum liability coverage?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?
When do I need to add a new car to my policy?
Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make an identical promise about savings if you switch your policy. How does each company say the same thing? It's all in the numbers.

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A propective insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully claim big savings. Because of the profiling, drivers should compare many company's rates. It's not possible to predict which insurance companies will give you the biggest savings.

More sites with auto insurance information

Even more information can be found at the Florida Office of Insurance Regulation website. Florida drivers can read enforcement actions against agents and companies, file complaints about a company, and download brochures.

Also read more on this Car Insurance FAQ and this page of insurance agents in Pembroke Pines.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage at the best price.

In this article, we covered some good ideas how you can reduce auto insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a small mutual company.

People switch companies for a variety of reasons including not issuing a premium refund, high prices, extreme rates for teen drivers and even high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company is less work than it seems.