Is Your West Palm Beach, FL Car Insurance Too High? Save with These Tips

I can’t think of a single person who looks forward to buying car insurance, particularly when the price is too high.

Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest price

Free West Palm Beach Car Insurance Quotes

There are multiple methods to shop for car insurance, but there is one way that is more efficient than others. You could waste time driving to agents in West Palm Beach, or you can utilize online quotes for quick rates.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and at least one company returns a rated price. This system prevents you from having to do quote forms to each company.

To find out how much you can save on car insurance click to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to choose from a list of companies to compare rates, we have a page of car insurance companies in Florida. Click here to view list.

However you get your quotes, double check that you are using exactly the same quote information for every company. If you enter higher or lower deductibles it will be very difficult to determine the lowest rate in West Palm Beach. Quoting even small variations in insurance coverages may result in large price differences. And when comparing car insurance rates, know that having more price comparisons will enable you to find the best rates.

Don’t believe everything you hear

Car insurance providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all have a common claim about savings after switching your coverage to them. How does each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the driver that makes them money. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no prior claims, and has a high credit rating. Any new insured that hits that “sweet spot” receives the best rates and therefore will cut their rates substantially.

Consumers who don’t qualify for these standards will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make the claims of big savings.

Because of the profiling, you should quote coverage with many companies. It’s impossible to know the company that will fit your personal profile best.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Shown below are some of the factors that factor into rates.

Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Too many car insurance claims drive up costs – Companies in Florida generally give cheaper rates to insureds who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Save money with special equipment – Driving a car with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
Don’t let your coverage lapse – Driving with no insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a steep fine or even jail time.

How much can you save with discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Most are applied at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount.

Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.
Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
Homeowners Discount – Owning a house in West Palm Beach can save you money because owning a home shows financial diligence.
Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.

Keep in mind that most discounts do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will help reduce your premiums.

For a list of providers with the best car insurance discounts in Florida, click here to view.

Car Insurance through a local agent

Certain consumers would prefer to talk to a local agent and that is just fine! The biggest benefit of comparing insurance prices online is you may find the lowest rates and still choose a local agent. And providing support for local businesses is important particularly in West Palm Beach.

For easy comparison, once you complete this form (opens in new window), your information is sent to companies in West Palm Beach who will battle to get your business. You never need to leave your house because quoted prices will be sent directly to your email. How cool is that?! Get lower rates and work with a local agent.

Below is a list of auto insurance companies in West Palm Beach that may be able to provide rate quotes.

Allstate Insurance – 1800 Forest Hill Blvd # B9, West Palm Beach, FL 33406 – (561) 967-9700
Trustway Insurance – 2080 Haverhill Rd N, West Palm Beach, FL 33417 – (561) 478-1334
Plastridge Agency Inc – 10337 N Military Trl, West Palm Beach, FL 33410 – (561) 630-4955
State Farm Insurance – 576 Marbella Dr, West Palm Beach, FL 33403 – (561) 848-5654
Land America Insurance Svc Inc – 224 Datura St, West Palm Beach, FL 33401 – (561) 366-9005

Deciding on an provider requires more thought than just the premium amount. Some important questions to ask are:

How much can you save by raising your physical damage deductibles?
If you are a high risk driver, do they have special markets for your coverage?
Which insurance companies are they affiliated with?
Who are their largest clients?
Are they full-time agents?

Once you have reasonable responses to your questions and a low price estimate, you have narrowed it down to an insurer that is a good match to properly service your car insurance policy.

Smart shoppers get results

When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. In many cases, someone dropped liability limits or collision coverage only to regret they didn’t have enough coverage. The aim is to find the BEST coverage at the best price while still protecting your assets.

You just read many ways to compare car insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the biggest savings come from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

Additional car insurance links

Additional information is available on the website for the Florida Office of Insurance Regulation through this link. Florida consumers can read industry bulletins, report car insurance fraud, and find out industry alerts.

Other informative sites include III.org’s auto insurance page and this list of insurance agents in West Palm Beach, FL.