Compare Palm Bay Florida Auto Insurance for Less Money With These Proven Techniques

Have you had enough of not being able to afford to buy car insurance? Your situation is no different than most other car owners in Florida. Since consumers have many online and local companies to choose from, it’s nearly impossible to pick the most cost effective company.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking about coverages with agents in Palm Bay, or you could use the web to get rates in a matter of minutes.

Many companies belong to an insurance system where insurance shoppers complete one form, and at least one company provides a quote for coverage. This system prevents you from having to do form submissions to each company. To submit your quote information now, click here to start a free quote.

The one disadvantage to comparing rates this way is you are unable to specify which providers you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we put together a list of the cheapest auto insurance companies in Florida. Click here to view list.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles with every price quote. If the quotes have mixed coverages you will not be able to determine the best price in Palm Bay.

Do I need a local agent?

Some consumers would prefer to get advice from a local agent and that is OK! Agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing rates online is that you can obtain lower rates but also keep your business local.

By using this short form, your insurance data is submitted to participating agents in Palm Bay who will give you bids for your business. You won’t need to even leave your home as quotes are delivered to your email. It doesn’t get any easier!

Deciding on an provider needs to be determined by more than just a low price. Some important questions to ask are:

• Do they make recommendations based only on price?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are there any discounts that you might be missing?
• Is the agent and/or agency licensed to do business in Florida?

Captive or Independent: There is a difference

When searching for an insurance agent, you must know there are a couple types of agencies from which to choose. Agents are classified as either captive or independent. While both can do a good job, but it’s worth mentioning how they differ because it can impact the type of agent you choose

Captive Agents

This type of agents work for only one company and examples are Allstate, Farmers Insurance, State Farm and AAA. Captives cannot compare other company’s rates so keep that in mind. They are trained well on their products and sales techniques and that can be a competitive advantage.

The following is a short list of captive insurance agents in Palm Bay willing to provide price quotes.

State Farm Insurance – 2197 Julian Ave NE – Palm Bay, FL 32905 – (321) 723-1444
Allstate Insurance – 1200 Malabar Rd SE # 4 – Palm Bay, FL 32907 – (321) 952-0655

Independent Insurance Agents

Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.

When comparing rates, it’s recommended you get quotes from several independent insurance agents to ensure the widest selection of prices.

The following is a short list of independent insurance agents in Palm Bay that can give you price quotes.

Harbor Insurance Agency Inc – 5270 Babcock St NE # 7 – Palm Bay, FL 32905 – (321) 952-0136
Priscilla Jones Insurance – 2174 Harris Ave NE # 8 – Palm Bay, FL 32905 – (321) 722-2800
All Star Insurance – 4961 Babcock St NE # 6 – Palm Bay, FL 32905 – (321) 728-2700

To view a complete directory of licensed insurance agents in Palm Bay, view this link.

Once you have received positive feedback to these questions and a low price estimate, you may have just found an insurance agent that will provide auto insurance coverage.

Learn more about auto insurance in Florida

Even more information can be read at the Florida Office of Insurance Regulation website. Visitors are able to learn about insurance regulations, report car insurance fraud, and read enforcement actions against agents and companies.

Additional helpful sites include III.org’s auto insurance page and this link where you can get more info about Palm Bay coverage.