8 Discounts Royal Palm Beach Drivers Forget when Quoting Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you there are lots of people in the same boat. With consumers having so many options when it comes to car insurance, it can be challenging to choose the lowest price car insurance company.

Finding the best rates in Royal Palm Beach is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Florida consumers only need to know the most efficient way to buy car insurance online.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all available discounts very well, so we took the time to find some of the more common as well as the least known car insurance savings. If you don't get every credit possible, you're just leaving money on the table.

  • Club Memberships - Belonging to a professional or civic organization could qualify you for a break when buying car insurance.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Paperless Signup - A handful of insurance companies will give a small break for buying your policy online.
  • Homeowners Discount - Owning a home in Royal Palm Beach may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount depending on your company.
  • 55 and Retired - Older drivers can possibly qualify for a discount up to 10%.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

For a list of insurers with the best car insurance discounts in Florida, follow this link.

How to Compare Car Insurance Quotes in Royal Palm Beach, Florida

Most major insurance companies provide coverage price quotes on the web. Getting quotes doesn't take a lot of time as you just enter the coverages you want as detailed in the form. Once entered, their rating system will obtain your driving and credit reports and generates pricing information. This makes it a lot easier to compare rates but the time it takes to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it's very important to do this if you want to find the best price on car insurance.

A more efficient way to lower your rates is to use a quote form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. After sending the form, it gets priced and you are able to buy any or none of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. This helps ensure you will receive a fair comparison based on identical coverages.

In the end, you save

The cheapest car insurance is possible from both online companies in addition to many Royal Palm Beach insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.