5 Best Tricks to Lower Car Insurance Costs in Weston, FL

Are you overwhelmed by the crazy number of car insurance companies in Weston? Many other consumers are too. People have so many options that it can turn into more work than you anticipated to find better rates.

It's important to compare prices at least once a year since rates are constantly changing. Just because you found the best price six months ago a different company probably has better rates today. Block out anything you think you know about car insurance because you're about to find out the quickest way to eliminate unnecessary coverages and save money.

More discounts equal less premium

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you quote, but a few need to be requested specifically before you get the savings.

  • Sign Online - Certain companies will give a small break just for signing your application digitally online.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Clubs and Organizations - Belonging to a civic or occupational organization could qualify you for a break on car insurance.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.

Keep in mind that most credits do not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, it just doesn't work that way. But any discount will reduce your premiums.

Switch companies and save? Really?

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to say the same thing that you can save if you change your coverage to them. How can each company make the same claim? It's all in the numbers.

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.

Drivers who do not match the requirements will have to pay a higher premium which usually ends up with business going elsewhere. The ads say "customers who switch" not "everyone that quotes" save that much money. That's the way insurance companies can state the savings.

Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

More information can be found on the Florida Office of Insurance Regulation website found here. Consumers can get help finding coverage, find disaster information, and find out which companies have the most complaints.

car insurance in Weston

Final considerations

Affordable car insurance can be sourced from both online companies as well as from independent agents in Weston, and you should compare price quotes from both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, questionable increases in premium and even extreme rates for teen drivers. It doesn't matter why you want to switch finding a new car insurance company is less work than it seems.

As you restructure your insurance plan, it's a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best price.