Best Auto Insurance Exclusively for Fort Lauderdale Florida Residents

Are you intimidated by the wide range of auto insurance company choices in Fort Lauderdale? You’re not the only one! People have so many choices that it can turn into a real challenge to compare prices.

Consumers should take time to do rate comparisons every six months because insurance rates go up and down regularly. If you had the lowest price a couple years back you can probably find a better price now. You’ll find quite a bit of inaccurate information about auto insurance online but with this article, you’re going to get the easiest ways to find affordable auto insurance.

Don’t pay full price with these discounts

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Most are applied when you complete an application, but lesser-known reductions have to be asked for before being credited. If they aren’t giving you every credit possible, you are throwing money away.

• No Charge for an Accident – Some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
• Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Clubs and Organizations – Participating in a qualifying organization is a good way to get lower rates on your policy.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But all discounts will bring down the cost of coverage.

For a list of companies who offer auto insurance discounts in Florida, click here to view.

Your personal situation dictates your coverage

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

• Should I drop comprehensive coverage on older vehicles?
• What are the best liability limits?
• What is the difference between comprehensive and collision coverage?
• Do I pay less if my vehicle is kept in my garage?
• Am I getting all the discounts available?
• Am I covered by my spouse’s policy after a separation?
• Am I covered if I wreck a rental car?
• What can I do if my company denied a claim?
• When do I need to add a new car to my policy?
• Is pleasure use cheaper than using my vehicle to commute?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Much more information about auto insurance in Florida is located on the Florida Office of Insurance Regulation website. Click here for link. Florida consumers can discover disciplinary actions, file complaints about a company, get help finding coverage, and find out industry alerts.

Other useful links include this page for Florida auto insurance and this link where you can get more info about Fort Lauderdale auto insurance.

Final thoughts

Throughout this article, we presented some good ideas how you can save on auto insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from the smaller companies.

When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut collision coverage to discover at claim time that it was a big error on their part. The aim is to find the BEST coverage at the best price.

Drivers who switch companies do it for a variety of reasons including poor customer service, delays in paying claims, questionable increases in premium or even high prices. It doesn’t matter what your reason, switching companies is easier than you think.