Free Guide to Saving Money on Plantation Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you're not the only one. Numerous battle to insure your vehicles, 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 insurance rates are constantly changing. Just because you found the best deal a few years ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about auto insurance because it's time to teach you the only way to find better rates and still maintain coverage.

Tips to Get Lower Plantation Rates

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are some of the factors used by your company to calculate rates.

Where do you drive? - Driving more miles in a year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based on their usage. Autos used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance coverage is showing the proper vehicle usage, because it can save money.
Extra add-on coverages are wasting money - There are a ton of extra coverages that you can buy if you aren't careful. Coverages like roadside assistance, towing coverage and additional equipment coverage may be wasting your money. These coverages may sound good initially, but now you might not need them so get rid of them and save.
Being married can save on auto insurance - Being married can get you a discount on your auto insurance policy. It translates into being more mature and statistics show being married results in fewer claims.
Safer cars cost less to insure - Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you.
Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, executives and accountants have higher rates than average due to high stress and long work days. On the flip side, professions such as actors, athletes and performers get better rates.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, damage from fire, and windstorm damage. Physical damage deductibles are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the less your auto insurance will be.
Discounts for multiple policies - Many auto insurance companies will give a discount to people who carry more than one policy. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to comparison shop to verify if the discount is saving money. You may still find a better deal by splitting coverages up.

Comprehensive Plantation Auto Insurance Comparison Quotes

Reducing your insurance rates is surprisingly easy. You just have to invest a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The fastest way to find low rates is to use a rate comparison form click here to open form in new window. This form prevents you from having to do repetitive form entry for each company you want a rate for. Completing one form gets you price quotes direct from many companies.
A harder way to get quotes online requires visiting the website for each individual company to request a price quote. For instance, let's assume you want to compare rates from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in Plantation, click here.
The hardest method to get comparison rates is driving around to and from local Plantation insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. Drivers can find lower rates online and still use a local agent and we'll touch on that later.

It doesn't matter which method you choose, just compare the exact same quote information for each price quote. If you use mixed coverages then you won't be able to truly determine the lowest rate in Plantation.

Save big with these discounts

Auto insurance companies don't necessarily list all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit possible, you are paying more than you should be.

Auto/Life Discount - Some companies give lower rates if you buy life insurance.
Drive Less and Save - Fewer annual miles can qualify you for better rates on cars that stay parked.
Sign Online - A few companies give back up to $50 just for signing your application on their website.
Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.

It's important to note that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you're out of luck.

To choose companies who offer auto insurance discounts in Plantation, click this link.

Auto insurance ads bend the truth

Florida drivers can't ignore all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim that you can save after switching your coverage to them.

How do they all say the same thing? It's all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured might be profiled as between 25 and 40, has no tickets, and has a short commute. A propective insured who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will have to pay higher premiums which leads to business not being written. Company advertisements say "customers who switch" not "people who quote" save that much money. That's the way insurance companies can make the claims of big savings. Because of the profiling, you need to quote coverage with many companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional detailed information is available at the Florida Office of Insurance Regulation website. Florida drivers can file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and find disaster information.

And the best car insurance company is...

As you shop your coverage around, you should never reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price.

Lower-priced auto insurance can be sourced on the web as well as from independent agents in Plantation, so you should compare both to have the best chance of lowering rates. Some insurance providers don't offer online price quotes and most of the time these smaller companies sell through independent agents.