Buy Pompano Beach Car Insurance Like a Penny-pincher

Buying affordable Pompano Beach car insurance on the internet is somewhat difficult for consumers not familiar with buying insurance on the web. When there are so many companies competing online, how can Pompano Beach drivers possibly compare them all to find the cheapest available price?

It’s a good habit to price shop coverage before your policy renews because prices are rarely the same from one policy term to another. Just because you had the best rates last year other companies may now be cheaper. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn the best ways to put money back in your pocket.

Choosing the best insurance company for you in Pompano Beach is not that difficult. Essentially anyone who carries car insurance will more than likely be able to find lower rates. Nevertheless, Florida drivers do need to know how the larger insurance companies sell insurance online because it can help you find the best coverage.

Where Can I Get Cheap Pompano Beach Car Insurance?

When shopping for car insurance there are multiple ways of comparing rates from different in Pompano Beach, FLinsurance companies. The quickest method to find competitive insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  1. One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating separate quote forms to each individual car insurance company. Just one form will get you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to obtain and compare quotes online is spending the time to visit each company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from GEICO, State Farm and Farmers. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in Pompano Beach, click here.

It’s up to you how you get prices quotes, just ensure you are comparing identical quote information on every quote you get. If each company quotes mixed coverages you can’t possibly truly determine the lowest rate in Pompano Beach. Quoting even small variations in coverages 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 better quote Pompano Beach Florida

Save big with these discounts

Auto insurance companies don’t always list every discount in a way that’s easy to find, so the following is a list of both the well known as well as the least known car insurance savings.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Club Memberships – Participating in a civic or occupational organization may earn a discount when buying car insurance.
  • Driver Safety – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Federal Employees – Active or retired federal employment can save as much as 8% with select insurance companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Senior Discount – Mature drivers may receive better car insurance rates.

Consumers should know that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

Lower the Price of Insurance with These Tips

Consumers need to have an understanding of the different types of things that go into determining the price you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

  • High credit ratings translate to low rates – Having a bad credit score is a large factor in determining your rates. So if your credit score is lower than you’d like, you could save money insuring your by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Liability coverage is peace of mind – Liability insurance is the protection when a court rules you are at fault for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Please use or commuting – The higher the mileage driven in a year’s time the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet shows the correct usage for each vehicle.
  • Being married can save on car insurance – Getting married can get you a discount when buying car insurance. Marriage is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.

Even more information is available at the Florida Office of Insurance Regulation website. Florida consumers can view a list of available companies, read enforcement actions against agents and companies, read state legal mandates and laws, and report car insurance fraud.

Cheaper insurance is a realistic goal

We’ve covered quite a bit of information on how to compare car insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

Pompano Beach FL insurance comparisons

Low-cost car insurance is possible on the web and with local Pompano Beach insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, denial of a claim or policy cancellation. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.