Tightwads Instructions on Saving on Fort Lauderdale Florida Car Insurance

No one in their right mind enjoys paying for car insurance, in particular when they are paying too much.

Multiple insurance companies compete for your business, and it can be difficult to compare rates to find the absolute best rate

How to Compare Fort Lauderdale Car Insurance Costs

Most major insurance companies give price estimates on their websites. The process doesn’t take a lot of time as you simply enter your coverage preferences into a form. Once entered, the company’s rating system pulls reports for credit and driving violations and generates pricing information based on many factors. This helps simplify price comparisons, but the work required to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you want to find lower prices.

Quote rates the easy way

The easiest way to locate the lowest prices uses one simple form that gets prices from several different companies. The form is fast, reduces the work, and makes quoting online much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process only takes a few minutes and you will find out if you’re overpaying now.

In order to compare rates using this form now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate coverages and limits identical to your current policy. This helps ensure you will have a price comparison using the same coverage and limits.

Discounts can save BIG

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Some trigger automatically at the time of quoting, but some must be asked for before you get the savings.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-57.jpg" alt="Fort Lauderdale FL insurance quotes” />

  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accidents.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

For a list of companies with discount car insurance rates in Florida, follow this link.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating car insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to better car insurance rates.

  • Your job and insurance rates – Jobs such as lawyers, executives and dentists tend to have the highest average rates because of high stress levels and long work days. Other occupations like farmers, historians and retirees receive lower rates.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that can waste your money on your policy. Coverages for personal injury protection, accident forgiveness and motor club memberships are some examples. They may seem good initially, but if you don’t need them eliminate them to save money.
  • How’s your driving record? – Only having one ticket can boost insurance rates by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to keep their license.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be colliding with a building, vandalism, or theft. The more you’re willing to pay, the less your company will charge you for insurance.

Your local neighborhood insurance agent

A small number of people prefer to buy from a local agent and that is a personal choice. The biggest benefit of getting online price quotes is you can get better rates but also keep your business local. And supporting local insurance agencies is important especially in Fort Lauderdale.

To make it easy to find an agent, after completing this short form, your insurance coverage information is submitted to participating agents in Fort Lauderdale who will compete for your business. There is no need to leave your house due to the fact that quote results will go directly to your email. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.

Listed below is a list of insurers in Fort Lauderdale willing to provide rate quotes.

State Farm Insurance – 3038 N Federal Hwy # A, Fort Lauderdale, FL 33306 – (954) 537-3333
Atlas General Agency Inc – 500 W Cypress Creek Rd, Fort Lauderdale, FL 33309 – (954) 351-9600
Barr Insurance – 4 Isla Bahia Ter, Fort Lauderdale, FL 33316 – (954) 524-6663
Roesons Insurance – 3201 N Federal Hwy # 200, Fort Lauderdale, FL 33306 – (954) 564-6047
Allstate Insurance – 5154 N Federal Hwy, Fort Lauderdale, FL 33308 – (954) 771-1155

Deciding on a company should depend on more than just a low price. Any agent should have no problem answering these questions:

Fort Lauderdale FL insurance quotes

  • If your car is totalled, how to they determine the replacement cost?
  • How much can you save by raising your physical damage deductibles?
  • Can glass repairs be made at your home?
  • Does the agency support the community they serve?
  • Which insurance companies are they affiliated with?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do the companies they represent have a solid financial rating?
  • Are they properly licensed to sell insurance in Florida?

Upon getting positive responses for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance company that can adequately provide car insurance.

Additional information is located on the website for the Florida Office of Insurance Regulation found here. Consumers can read state legal mandates and laws, learn about specific coverages, and discover disciplinary actions.

More effort can pay off

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

In this article, we covered a lot of tips how to reduce car insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest rates come from the least-expected company. They may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

Cost effective car insurance is definitely available on the web and with local Fort Lauderdale insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.