Miramar Florida Auto Insurance Savings the Insurance Agents Don’t Want You to Know About

Are you tired of trying to scrape together enough money to insure your vehicles every month? You’re in the same situation as the majority of other car owners in Florida. Because there are so many insurance companies to choose from, it can be impossible to locate the right insurer.

It is always a good idea to do rate comparisons before your policy renews since insurance rates are constantly changing. Even if you think you had the best deal a few years ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance online but I’m going to show you the easiest ways to slash your auto insurance rates.

Choosing the best insurance company for you in Miramar is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you can learn to find better prices while maintaining coverages. Florida vehicle owners just need to understand the most effective way to get comparison quotes on the web.

Miramar Auto Insurance Quote Comparison

Finding cheaper auto insurance prices isn’t really that difficult. The only requirement is to spend a few minutes to get quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing multiple quote forms for every auto insurance company. Completing one form gets rate comparisons from all major companies.
  2. Another way to get comparison quotes requires you to visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, Liberty Mutual and American Family. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in Miramar, click here.

  3. The least recommended method to compare rates is to waste gas driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you have a need for the professional advice of a local agent. You can, however, price shop your coverage online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverage information for each comparison quote. If you use mixed coverages you can’t possibly determine the best price in Miramar.

Are you getting all your discounts?

Companies offering auto insurance do not list all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
  • Driver Safety – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Drivers Education – Have your child complete a driver education course in high school.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.

Drivers should understand that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

For a list of companies with discount auto insurance rates in Miramar, click here.Florida insurance ad

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 rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Younger drivers pay higher rates – Teen drivers in Florida are known to be careless and easily distracted when driving so auto insurance rates are higher. Adding a youthful driver onto your auto insurance can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.
  • Your job and insurance rates – Careers like judges, business owners and financial analysts are shown to have higher average rates in part from high stress levels and long work days. Conversely, jobs such as farmers, engineers and the unemployed pay the least.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.

But buying car insurance online seems impersonal

A small number of people prefer to get advice from a local agent and that is a personal choice. Licensed agents can point out coverage gaps and give you someone to call. The best thing about comparing insurance prices online is you may find the best rates but also keep your business local.

Once you complete this short form, your information is transmitted to agents in your area who will battle for your business. You don’t have to visit any agencies due to the fact that quote results will go to your email. Now that’s easy!

Picking a company requires more thought than just a low price. Some important questions to ask are:

  • If you have an accident, will your rates go up?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How are claims handled?
  • Do the coverages you’re quoting properly cover your vehicle?
  • What insurance companies do they recommend if they are an independent agent?
  • Does the company allow you to choose your own collision repair facility?
  • Do they have any clout with companies to ensure a fair claim settlement?

Listed below are agents in Miramar who can help you get price quote information.

State Farm Insurance – 16203 Miramar Pkwy, Miramar, FL 33027 – (954) 442-4022
Prudential Insurance Co – 6151 Miramar Pkwy, Miramar, FL 33023 – (954) 522-9667
Allstate Insurance – 10930 Pembroke Rd, Miramar, FL 33025 – (954) 443-4511
A A Insurance – 6320 Miramar Pkwy # B, Miramar, FL 33023 – (954) 963-4770

After getting positive feedback to your questions and a low price estimate, it’s possible that you found an insurer that will adequately provide auto insurance.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can help discover whether your personal situation may require specific advice.

  • Why is insurance for a teen driver so high in Miramar?
  • Do I need to file an SR-22 for a DUI in Florida?
  • What are the financial responsibility laws in Florida?
  • What if I don’t agree with a claim settlement offer?
  • Is my dog or cat covered if injured in an accident?
  • When would I need additional glass coverage?
  • Do all my vehicles need collision coverage?
  • Can I drive in Mexico and have coverage?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Who is covered when they drive my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Florida insurance ad

Even more information can be read at the Florida Office of Insurance Regulation website. Florida consumers can file complaints about an insurance agent or broker, get help finding coverage, and report car insurance fraud.

The following information may also be useful.

Cheaper insurance is a realistic goal

The cheapest auto insurance can be found online as well as from independent agents in Miramar, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage for the lowest price.

You just learned many ideas to get a better price on auto insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even find the best price on auto insurance is with a small mutual company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.