Uncover Proven Techniques to Save on Fort Lauderdale Car Insurance

Purchasing the lowest cost Fort Lauderdale car insurance on the web is somewhat difficult for people who are new to comparing rates online. Since there are so many insurers available, how can consumers possibly compare every company to locate the lowest price?

Why some people pay less for insurance in Fort Lauderdale

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Understanding what influences your rates helps enable you to make changes that may reward you with lower car insurance prices.

The following are a few of the “ingredients” that factor into rates.

• Lower rates come with age – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers tend to be careless and easily distracted when driving therefore car insurance rates are much higher.
• Please use or commuting – The more miles you rack up on your car each year the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
• Extra add-on coverages are wasting money – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for rental car reimbursement, accidental death and term life insurance are examples of these. These coverages may sound good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
• Having a spouse can save you money – Getting married actually saves money when buying car insurance. Having a significant other means you’re more mature than a single person and it’s proven that married couples file fewer claims.
• Multiple policies with one company can save – Some car insurance companies will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.

Comprehensive Fort Lauderdale Car Insurance Comparison Quotes

There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in Fort Lauderdale, or you could save time and use online quoting to quickly compare rates.

Most major companies participate in an industry program where prospective buyers complete one form, and each participating company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions for every car insurance company.

To find out what other companies charge click here (opens in new window).

The one disadvantage to pricing coverage this way is that you can’t choose which providers to get pricing from. If you would rather choose from a list of companies to compare rates, we have assembled a list of companies who write car insurance in Florida. Click here for list of insurance companies in Florida.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage limits on every quote. If you have different values for each quote you will not be able to determine the lowest rate in Fort Lauderdale. Just a small difference in coverage limits can result in a big premium difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will improve the odds of getting a lower rate.

Car insurance ads bend the truth

Car insurance providers like Allstate and Progressive regularly use ads in print and on television. They all make the same claim that you’ll save big if you move to them. How do they all make the same claim?

All companies have a preferred profile for the type of customer they prefer to insure. For example, a desirable insured could possibly be over the age of 50, has no tickets, and has excellent credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to the “perfect” profile will have to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that kind of money. That’s the way insurance companies can claim big savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. It’s impossible to know the company that will fit your personal profile best.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be inquired about prior to receiving the credit.

• Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
• Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break on car insurance.
• Claim Free – Drivers with accident-free driving histories can save substantially compared to bad drivers.
• Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
• Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will reduce the amount you have to pay.

When should I talk to an agent?

When choosing the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• What can I do if my company won’t pay a claim?
• How many claims can I have before being cancelled?
• Am I getting all the discounts available?
• Why am I required to buy high-risk coverage?
• Exactly who is provided coverage by my policy?
• How high should my uninsured/underinsured coverage be in Florida?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

More information can be found on the Florida Office of Insurance Regulation website found here. Visitors are able to find out industry alerts, read enforcement actions against agents and companies, and view a list of available companies.

And the best car insurance company is…

Consumers switch companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

We just covered quite a bit of information on how to compare car insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a small local company.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.