Learn How to Buy Pembroke Pines Car Insurance Like an Expert

If you’re new to shopping for car insurance online, it’s easy to get overwhelmed because of the huge number of online car insurance companies and websites all offering big savings in Pembroke Pines.

Choosing the best insurance company for you in Pembroke Pines is not that difficult. Basically, every vehicle owner who shops for car insurance will be able to reduce their rates. But Florida drivers should learn the way insurance companies market on the web and take advantage of how the system works.

Don’t miss out on these money-saving discounts

Companies don’t always advertise every discount very well, so we break down some of the more common as well as the least known ways to save on car insurance.

• Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
• Resident Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
• Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
• Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
• Claim Free – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
• Save over 55 – Mature drivers may receive a small decrease in premiums.
• Low Mileage Discounts – Keeping the miles down could be rewarded with a substantially lower rate.

It’s important to note that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, you’re out of luck.

For a list of insurers offering car insurance discounts in Pembroke Pines, click here.

How to Buy Pembroke Pines Car Insurance Online

The are a couple different ways of comparing rates from different in Pembroke Pines, Floridainsurance companies. The easiest way to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

• One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quotation requests for each company you want a rate for. Completing one form will get you price quotes from car insurance companies with the best prices. Just one form and you’re done.
• A more time consuming way to compare rate quotes consists of visiting each company website to complete their respective quote request forms. For example, let’s assume you want to compare Farmers, Progressive and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

  For a handy list of car insurance company links in Pembroke Pines, click here.

• The hardest way to compare rates is to waste gas driving to different Pembroke Pines agent offices. Buying insurance online can eliminate the need for a local agent unless you want the personal advice of a local Pembroke Pines agent. Drivers can get the lowest quotes online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage information for every company. If your comparisons have mixed coverages you can’t possibly determine which rate is truly the best in Pembroke Pines. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes helps locate lower pricing.

Get Cheaper Rates by Understanding Pricing

Consumers need to have an understanding of the factors that play a part in calculating your car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

• High crash test scores lower rates – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates.
• High credit ratings translate to low rates – Credit history is a large factor in determining what you pay for car insurance. So if your credit history is not that good, you could potentially save money when insuring your by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
• Tickets mean higher rates – Even one speeding ticket can bump up the cost by twenty percent. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
• Do you have enough liability coverage? – Liability insurance provides coverage in the event that you are found liable for damages caused by your negligence. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
• You might want pay the small claims yourself – If you tend to file frequent claims, you can look forward to higher rates. Auto insurance companies in Florida generally give lower rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for larger claims.
• Teen drivers pay high rates – Mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.
• Do you need those extra coverages? – There are quite a few extra coverages that can waste your money if you aren’t careful. Coverages for personal injury protection, accident forgiveness and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.

You are unique and your car insurance should be too

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

• Do I need added coverage for expensive stereo equipment?
• Will I lose any money if I cancel my policy before it expires?
• Does having multiple vehicles earn me a discount?
• What are the best liability limits?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do no-fault laws apply in Florida?
• Am I covered when using my vehicle for business?
• Am I covered when driving on a suspended license?
• I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Aren’t my neighborhood agents an option?

Some consumers prefer to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is that you can obtain the lowest rates but also keep your business local.

To help locate an agent, after submitting this simple form, the coverage information is immediately sent to insurance agents in Pembroke Pines who will give you bids for your coverage. There is no need to even leave your home as quotes are delivered immediately to your email address. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.

Deciding on an insurance company should depend on more than just the price. These questions are important to ask:

• What will you get paid if your car is a total loss? How is that amount determined?
• If you are a high risk driver, do they have special markets for your coverage?
• Can they give you a list of client referrals?
• Are they full-time agents?
• Do they review policy coverages at every renewal?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• How long has their agency been open in Pembroke Pines?
• Do they regularly work with personal auto policies?

If you want to contact a specific insurance agent in Pembroke Pines, please view this page.

Upon receiving acceptable answers to all your questions and locked in a price quote, most likely you have located an provider that can properly insure your vehicles.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to say the same thing that you’ll save big if you move your policy. How do they all claim to save you money?

Different companies have a certain “appetite” for the driver they prefer to insure. An example of a profitable customer might be profiled as between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will get very good rates and therefore will save quite a bit of money when switching.

Drivers who are not a match for the requirements will have to pay a higher premium and this can result in business going elsewhere. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can advertise the savings. Because of the profiling, you should quote coverage with many companies. It’s not possible to predict which car insurance company will have the lowest rates.

And the best car insurance company is…

Affordable car insurance can be purchased from both online companies in addition to many Pembroke Pines insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for any number of reasons including lack of trust in their agent, being labeled a high risk driver, high rates after DUI convictions and questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company can be easy and end up saving you some money.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Additional reading for car insurance information

More detailed Florida car insurance information can be found at the Florida Office of Insurance Regulation website. Florida consumers can get help finding coverage, find disaster information, read state legal mandates and laws, and find out which companies have the most complaints.

Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and this list of insurance agents in Pembroke Pines, FL.