How to Find the Lowest Auto Insurance Prices From Agents in Pompano Beach Florida

When buying auto insurance in Pompano Beach, picking a good Florida car insurance agent takes more work than just driving to the closest agent’s office. We’re assuming that not only do you want a competent insurance agent, but you also want the best rates possible.

With companies like State Farm, Allstate and Farmers Insurance all competing for business in Pompano Beach, consumers have a hard time knowing which one will give you the lowest rates and best service. To help decide, you can use online quotes to get a list of insurance agents and price estimates.

It’s not one size fits all

When buying the best auto insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For instance, these questions might help in determining if your insurance needs will benefit from professional help.

Can I still get insurance after a DUI?
Can I pay claims out-of-pocket if I buy high deductibles?
What if I total my vehicle and owe more than it’s worth?
Do I need motorclub coverage?
Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
When should I drop full coverage on my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent.

Comparing rates from local agents

Professional agents can help determine the best coverages and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. And providing support for local businesses is especially important in Pompano Beach.

To find an agent, once you fill out this short form, your coverage information is sent to participating agents in Pompano Beach who will return price quotes for your coverage. You never need to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier!

Types of auto insurance agents in Pompano Beach

When looking for an insurance agent, there are a couple of different agency structures that you can select. Agencies in Pompano Beach are categorized either independent (non-captive) or captive. While both can do a good job, but it’s worth learning the differences since it may influence buying decisions.

Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.

When shopping rates, you should always get quotes from at a minimum one independent agency to have the most options to choose from.

Listed below are independent agencies in Pompano Beach willing to provide comparison quotes.

Elaine T Forhman Insurance – 2758 W Atlantic Blvd # 38 – Pompano Beach, FL 33069 – (954) 972-2134
Richard L Tozzo Agency – 4311 Crystal Lake Dr # 419 – Pompano Beach, FL 33064 – (954) 341-6868
CLK Insurance Solutions Inc – – Pompano Beach, FL 33064 – (954) 785-2780

Captive Insurance Agents

These agents have only one company to place business with and some examples include State Farm or Allstate. They are unable to provide prices from multiple companies so keep that in mind. Captive agents are well schooled in insurance sales which can be an advantage.

Below are Pompano Beach captive agencies who can help you get comparison quotes.

State Farm Insurance – – Pompano Beach, FL 33069 – (954) 972-4885
Allstate Insurance – 431 N Federal Hwy – Pompano Beach, FL 33062 – (954) 781-5444

For a full directory of captive insurance agencies in Pompano Beach, click here to link.

Picking a car insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:

If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
If you have an accident, will your rates go up?
Are claim adjusters local or do you have to take your car somewhere else?
Which insurance companies are they affiliated with?

Upon receiving positive responses to these questions as well as a affordable price, most likely you have located an auto insurance agent that meets your needs to adequately provide auto insurance.

What about online companies that don’t sell through insurance agents?

Insurance agents are perfect for certain consumers, but you also have the option of buying Florida car insurance from online companies direct. Certain companies, such as Farmers Insurance and State Farm, that sell primarily through agents also allow consumers to get a quote and buy online, and that is helpful if the lowest rate is your goal.

If you’re concerned about not receiving proper advice when buying car insurance direct, don’t sweat it. All companies that allow you to purchase coverage have toll-free phone numbers and other options for getting advice on proper coverages. They also have help pages and frequently asked questions that you can use if you have questions.

Does buying online save money? Whether or not you’ll save is impossible to say because there are many components that impact your premium. Common logic is that a shopper who purchases direct saves money because there is no commission. For most companies selling online, however, getting their brand in front of customers is expensive so the lack of a commission may be a wash.

More information is available on the website for the Florida Office of Insurance Regulation through this link. Consumers can read industry bulletins, discover disciplinary actions, and learn about insurance regulations.

Cheaper insurance is a realistic goal

Discount auto insurance is definitely available on the web in addition to many Pompano Beach insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an insured cut liability coverage limits only to find out that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.