6 Must-Know Techniques When Buying Coral Springs, FL Car Insurance

Searching for low-cost Coral Springs car insurance over the internet is rather challenging for consumers new to comparing rates online. Since there are so many insurance companies available, how can you even start to compare every company to locate the lowest price?

Finding Car Insurance in Coral Springs, FL

There are a variety of methods to shop for car insurance, but one way is less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in Coral Springs, or you could save time and use online quoting to get rates in a matter of minutes.

Many popular insurance companies take part in a program where insurance shoppers complete one form, and each company then returns a price quote for coverage. This saves time by eliminating quote requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to getting quotes like this is you are unable to specify the providers you want to price. So if you want to choose from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Florida. Click here for list of insurance companies in Florida.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage information for each price quote. If you compare different liability limits it’s impossible to determine the lowest rate in Coral Springs.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be specifically requested prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.

  • Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will help reduce your premiums.

To choose providers who offer car insurance discounts in Florida, follow this link.

Your local neighborhood insurance agent

A small number of people would prefer to buy from a local agent and that is just fine! Good agents can point out coverage gaps and give you peace of mind. One of the great benefits of price shopping on the web is you can get the lowest rates and still have an agent to talk to. And supporting small agencies is important particularly in Coral Springs.

To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to local insurance agents in Coral Springs who will return price quotes for your insurance coverage. You never need to drive around as quotes are delivered directly to your email. How’s that for easy!

The type of insurance agent you choose is important

When searching for a good Coral Springs insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agencies in Coral Springs are either independent or captive. While both can insure your vehicles, but it’s worth mentioning the difference between them since it may influence the type of agent you choose

Independent Agents

Independent agencies are not locked into one company but instead can place your coverage with any number of different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, it’s a good idea to contact several independent insurance agents for maximum quote selection. Many write coverage with different regional companies who may have lower rates.

Listed below is a short list of independent agencies in Coral Springs that may be able to provide price quotes.car insurance image

  • Steven A Roth Agency – – Coral Springs, FL 33065 – (954) 344-8786
  • ASI Agency Inc – 3300 N University Dr # 408 – Coral Springs, FL 33065 – (954) 344-7900
  • Susan Siflinger Insurance – 2141 N University Dr # 388 – Coral Springs, FL 33071 – (954) 340-1491
  • Roth Agency Inc – – Coral Springs, FL 33065 – (954) 344-8786
  • Chris Coyne Insurance – 4614 N University Dr – Coral Springs, FL 33067 – (954) 757-8117
Captive Agents

These agents write business for a single company such as Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they have to upsell other benefits. They are well schooled on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy from captive agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a list of captive insurance agencies in Coral Springs that can give you price quote information.

  • Allstate Insurance – 5768 Wiles Rd – Coral Springs, FL 33067 – (954) 340-1212

To view a complete directory of car insurance agents in Coral Springs, please view this page.

Deciding on an insurance agency shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:

  • Will your rates increase after a single accident?
  • Does the agency have a good rating with the Better Business Bureau?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they carry Errors and Omissions coverage?
  • Are claims handled at the agent’s location?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Is assistance available after office hours?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

After getting positive responses for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an insurance agency that meets your needs to adequately provide car insurance.

Is my situation unique?

When buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might point out if your insurance needs will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • Are my tools covered if they get stolen from my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are all vehicle passengers covered by medical payments coverage?
  • How do I file an SR-22 for a DUI in Florida?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Smart Buyers can Save Money

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with better car insurance rates.

Shown below are a partial list of the pieces car insurance companies consider when setting rates.

  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Careers like doctors, architects and stock brokers are shown to have the highest rates in part from high stress levels and lots of time spent at work. On the other hand, professions such as farmers, students and homemakers pay the least.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and thus lower rates.
  • Better credit scores mean better rates – Credit score is a big factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit is low, you could potentially save money when insuring your by improving your credit score.
  • High numbers of claims are not good – If you frequently file small claims, you can look forward to higher rates. Car insurance companies in Florida provide cheaper rates to people who are claim-free. Insurance coverage is meant to be used in the event of larger claims.
  • Pleasure use saves money – The more miles you rack up on your car in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DUI and reckless driving.

Misconceptions in car insurance advertisements

Consumers get pounded daily by advertisements for car insurance savings from the likes of Allstate, GEICO and Progressive. They all make the same claim that you’ll save big after switching your coverage to them.

How do they all make the same claim? This is how they do it.

Different companies are able to cherry pick for the driver that is profitable for them. A good example of a driver they prefer could possibly be between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will save when switching.

car insurance image

Drivers who don’t meet these standards will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully state the savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. Because you never know which insurance companies will provide you with the cheapest rates.

A tidy conclusion

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price.

We’ve covered some good ideas how you can compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with a smaller regional carrier.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, denial of a claim, being labeled a high risk driver and even not issuing a premium refund. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

To find out more about Florida car insurance

More information is available on the Florida Office of Insurance Regulation website located here. Florida drivers can read consumer alerts, find out industry alerts, read industry bulletins, and view a list of available companies.

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