10 Discounts Davie Drivers Miss when Comparing Car Insurance Online

Comparison shopping for Davie car insurance can be nearly impossible for people who are new to comparing rates online. People have so many companies to choose from that it can quickly become a real challenge to find the best price in Davie.

Choosing the best insurance company for you in Davie is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Florida drivers just need to understand the proper way to get comparison quotes on the web.

More discounts equal less premium

Auto insurance companies don’t always list every available discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are throwing money away.

Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Auto/Home Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
One Accident Forgiven – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a certain period of time.
Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
Low Mileage Discounts – Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
Clubs and Organizations – Belonging to a qualifying organization could trigger savings when shopping for car insurance.
Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

Consumers should know that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

It’s not one size fits all

When choosing adequate coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if your situation may require specific advice.

Is my teen driver covered when they drive my company car?
Are all vehicle passengers covered by medical payments coverage?
Is my babysitter covered when using my vehicle?
Am I covered if I wreck a rental car?
Is a new car covered when I drive it off the dealer lot?
Should I buy more coverage than the required Florida minimum liability coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

The coverage is in the details

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like X-ray expenses, nursing services, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – This will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, structural damage, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Florida requires drivers to carry at least 10,000/20,000/10,000 but you should think about purchasing more liability than the minimum.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (Florida limits are 10/20/10), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, falling objects and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your vehicle caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, hitting a mailbox, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

For more Florida car insurance information

Additional detailed information is available at the Florida Office of Insurance Regulation website. Consumers can download brochures, view a list of available companies, read state legal mandates and laws, and find a variety of consumer forms.

Do the work, save more money

People who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, unfair underwriting practices or policy non-renewal. Regardless of your reason, switching companies can be pretty painless.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Affordable car insurance is definitely available on the web and also from your neighborhood Davie agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.