7 Best Ways to Lower Car Insurance Costs in Tamarac, FL
Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Florida drivers. Drivers have so many to buy insurance from, and although it's nice to have a choice, too many choices makes it more difficult to compare rates.
It's important to compare prices before your policy renews since rates are constantly changing. Just because you found the best deal six months ago you may be paying too much now. So just forget all the misinformation about car insurance because we're going to show you the proper way to find lower rates on car insurance.
Cheap Tamarac Car Insurance Comparisons
Getting better car insurance pricing isn't really that difficult. Consumers just need to spend a few minutes to compare rate quotes provided by online insurance companies. This can be done in several different ways.
The first (and easiest) way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method prevents you from having to do boring form submissions to each individual car insurance company. In just a few minutes this one form gets you price quotes from all major companies.
A more time consuming way to shop for car insurance online requires a trip to the website for each individual company to request a price quote. For example, let's say you want rates from , and . To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Tamarac, click here.
The least efficient way of getting rate comparisons is to waste gas driving to insurance agents' offices. Shopping for car insurance online makes this process obsolete unless you want the trained guidance only provided by licensed Tamarac agents. You can, however, compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.
Whichever way you use, ensure you're using identical quote information for each price quote. If you have mixed coverages you can't possibly truly determine the lowest rate in Tamarac.
Policy discounts you shouldn't miss
The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you get a quote, but some must be requested specifically before you will receive the discount. If you're not getting every credit available, you're just leaving money on the table.
- Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
- Claim Free - Claim-free drivers can earn big discounts as compared to frequent claim filers.
- Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
- College Student - Children who live away from home and don't have a car can receive lower rates.
- Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- One Accident Forgiven - Certain companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.
For a list of companies with discount car insurance rates in Florida, follow this link.
Additional information is available on the website for the Florida Office of Insurance Regulation found here. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, report car insurance fraud, and read enforcement actions against agents and companies.
A tidy conclusion
As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price.
Cheaper car insurance can be sourced both online as well as from independent agents in Tamarac, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and most of the time these smaller companies sell through independent agents.
