9 Discounts Lauderhill Consumers Overlook when Comparing Car Insurance on the Web

Cutting costs on Lauderhill car insurance is nearly impossible for beginners to comparing rates online. Drivers have so many options that it can turn into a real challenge to find the best price in Lauderhill.

If you currently have car insurance, you will most likely be able to save some money using these tips. The purpose of this article is to familiarize you with how to effectively get price quotes and some tips to save money. Nevertheless, Florida consumers do need to understand how big insurance companies price insurance differently and apply this information to your search.

Cut your car insurance rates with these nine discounts

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Most are applied when you complete an application, but some must be asked for before they will apply.

• Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
• Lower Rates for Military – Being on active duty in the military could mean lower rates.
• Resident Student – Children who live away from home without a vehicle on campus may be able to be covered for less.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
• Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Life Insurance Discount – Some companies give a discount if you purchase life insurance.
• Paperless Signup – Some insurance companies may give you up to $50 just for signing your application over the internet.
• Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

To see a list of providers offering car insurance discounts in Florida, click this link.

You are unique and your car insurance should be too

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Should I buy only the required Florida minimum liability coverage?
• Do I need medical payments coverage since I have good health insurance?
• Do I need rental car coverage?
• What can I do if my company won’t pay a claim?
• Can my teen driver be rated on a liability-only vehicle?
• Do I have coverage when making deliveries for my home business?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance 101

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, vandalism and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your vehicle.

Because many people have only the minimum liability required by law (10/20/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, crashing into a building, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability

This can cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as loss of income, legal defense fees, repair costs for stationary objects, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford. Florida requires drivers to carry at least 10,000/20,000/10,000 but you should think about purchasing more coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for pain medications, ambulance fees, dental work, EMT expenses and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

For more Florida car insurance information

Additional information is located on the Florida Office of Insurance Regulation website. Click here for link. Consumers can find a variety of consumer forms, view agent and company licensing information, and get help finding coverage.

Other useful links include QuoteClickInsure.com and QuoteClickSave.com.

Better coverage you can count on

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Consumers who switch companies do it for many reasons like not issuing a premium refund, questionable increases in premium, extreme rates for teen drivers and even poor customer service. Regardless of your reason, switching companies is not as hard as you think.

Cheaper car insurance is attainable on the web in addition to many Lauderhill insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.