Uncover the Secrets to Cheaper Coral Springs Florida Auto Insurance

No one likes paying for auto insurance, especially knowing they are paying too much.

Companies like Progressive, State Farm and GEICO promote their brand names with ads and it is difficult to avoid their marketing magic and find the best price available.

It’s smart to get comparison quotes periodically since rates fluctuate regularly. Despite the fact that you may have had the best price a few years ago a different company probably has better rates today. Forget all the misinformation about auto insurance because we’re going to demonstrate the easiest way to find the best coverage while lowering your premiums.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

  • Add-on coverages can add up – There are quite a few add-on coverages you can purchase on your policy. Coverages for rental car reimbursement, better glass coverage and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Teen drivers pay high rates – Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers have a tendency to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • The more you drive the more you pay – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if you are found liable for damages caused by your negligence. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Do you know you’re credit rating? – A driver’s credit history is a large factor in calculating your auto insurance rates. So if your credit is not that good, you could be paying less to insure your by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
  • Rates may be lower depending on your job – Occupations like doctors, social workers and stock brokers tend to pay the highest rates in part from high stress levels and long work days. On the other hand, professions such as farmers, students and retirees have the lowest average rates.
  • Males pay more for insurance – Statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Men and women have accidents at a similar rate, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.

Compare Auto Insurance Today

Most major insurance companies allow you to get prices online. The process doesn’t take a lot of time as you simply type in your coverage information into the quote form. When complete, the system automatically retrieves information on your driving record and credit history and provides a quote determined by many factors. This helps simplify price comparisons, but the time required to go to a lot of sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to find the best price possible.

Compare rates the easy way

A less time-consuming method to find better auto insurance pricing requires only one form that obtains quotes from a lot of companies. It’s a real time-saver, reduces the work, and makes online quotes much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process takes 15 minutes at the most and you will know how your current rates stack up.

To save time and compare pricing, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you type in coverages and limits just like they are on your policy. Doing this guarantees you’re receiving rate quotes for similar coverage.

Are you falling for claims of savings?

Auto insurance providers like State Farm and Allstate consistently run ads in print and on television. They all say the same thing that you’ll save big if you change to their company. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer could possibly be between 25 and 40, has no driving citations, and has a short commute. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully claim big savings. This emphasizes why it is so important to quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

These discounts can lower your rates

Companies don’t always advertise every discount in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using.

  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Low Mileage Discounts – Keeping the miles down can earn better rates on cars that stay parked.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • No Claims – Claim-free drivers pay less when compared with accident-prone drivers.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To choose providers offering auto insurance discounts in Coral Springs, follow this link.

Are insurance agents obsolete?

Some people would rather buy from a licensed agent and that is OK! One of the great benefits of getting online price quotes is you may find better rates but still work with a licensed agent.

Upon completion of this quick form, the quote information is immediately sent to participating agents in Coral Springs who will battle for your coverage. There is no reason to drive around since price quotes are sent to your email. How cool is that?! You’ll get the best rates and work with a local agent.

Deciding on an insurance company requires more thought than just the bottom line cost. Here are some questions to ask:

  • Who are their largest clients?
  • Do they feel the quoted coverages are adequate?
  • How are claims handled?
  • Do they carry Errors and Omissions coverage?
  • What insurance companies do they work with?
  • How long has their agency been in business in Coral Springs?
  • If you have an accident, will your rates go up?

Two types of Coral Springs auto insurance agents

When researching a reputable insurance agent or broker, you need to know there are two types of agencies that you can select. Agents are classified as either independent or captive.

Captive Insurance Agents

Captive agencies write business for a single company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot shop your coverage around so they have to upsell other benefits. Captive agencies receive extensive training on their products and sales techniques which helps them compete with independent agents.

Shown below is a list of captive agents in Coral Springs who may provide you with comparison quotes.

Allstate Insurance – 10420 W Atlantic Blvd – Coral Springs, FL 33071 – (954) 345-0601

Independent Agents (or Brokers)

These agents do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, you should always get quotes from at least one independent agent for the best price selection.

Below is a list of independent agencies in Coral Springs that are able to give price quote information.

Steven A Roth Agency – – Coral Springs, FL 33065 – (954) 344-8786
Broward Express Auto Insurance – 10657 W Atlantic Blvd – Coral Springs, FL 33071 – (954) 755-9658
Roth Agency Inc – – Coral Springs, FL 33065 – (954) 344-8786
ASI Agency Inc – 3300 N University Dr # 408 – Coral Springs, FL 33065 – (954) 344-7900
Ralph W Sanders Insurance Inc – 7854 Wiles Rd – Coral Springs, FL 33067 – (954) 753-6505

For a full directory of licensed insurance agents in Coral Springs, visit this link.

Once you have positive responses to these questions and locked in a price quote, it’s possible that you found a car insurance agent that is a good match to insure your vehicles.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I get insurance after a DUI in Florida?
  • What are the best liability limits?
  • What if I total my vehicle and owe more than it’s worth?
  • Is my babysitter covered when using my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Additional detailed information is located at the Florida Office of Insurance Regulation website. Florida drivers can learn about insurance regulations, file complaints about a company, and file complaints about an insurance agent or broker.

The following articles may also be useful.

Do the work, save more money

Lower-priced auto insurance is available from both online companies as well as from independent agents in Coral Springs, so compare prices from both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate.