Compare Car Insurance Rates From Pembroke Pines Insurance Agents

If you’re trying to find a licensed insurance agent in Pembroke Pines, you can always begin your search for an agent online instead of calling around. For this article’s sake, it’s assumed you’re looking for a decent agent, but you also need great rates as well.

With companies like State Farm, Allstate, Farmers and independent agents having offices in Pembroke Pines, it’s hard to tell which provider will give you the best rates, service and coverage. To help decide, you can use online quotes in order to build a list of agencies and thier coverage prices.

Everyone needs different coverages

When choosing the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • At what point should I drop full coverage?
  • Do no-fault laws apply in Florida?
  • Can my teen driver be rated on a liability-only vehicle?
  • How high should my uninsured/underinsured coverage be in Florida?
  • Is my custom paint covered by insurance?

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 an agent.

Save time by quoting online

Educated insurance agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is that you can obtain lower rates but still work with a licensed agent. Supporting small agencies is especially important in Pembroke Pines.

After completing this simple form, the coverage information is sent to local insurance agents who will battle for your business. You don’t have to visit any agencies as quotes are delivered directly to your email. How’s that for easy!

The type of auto insurance agent you choose is important

When searching for a good insurance agency, there are a couple of types of insurance agents from which to choose. Insurance agencies in Pembroke Pines are classified as either captive or independent. Either one can write coverage properly, but it’s good to learn the differences because it can influence the selection process.

Independent Agencies or Brokers

Independent agencies do not work for one specific company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When shopping rates, we recommend you contact at least one independent agent to have the most options to choose from.Many can place coverage with smaller regional carriers who may have lower rates.

The following is a short list of independent insurance agents in Pembroke Pines willing to provide comparison quotes.

  • Barry Stanley Insurance – 1601 N Palm Ave # 201 – Pembroke Pines, FL 33026 – (954) 437-2416
  • Cloverleaf Insurance Brokers – 18314 NW 7th St – Pembroke Pines, FL 33029 – (954) 965-1421
Captive Insurance Agents

These agents are contracted to one company such as State Farm, Allstate and AAA. They are unable to compare other company’s rates so keep that in mind. Captive agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives mainly due to high brand loyalty and strong financial ratings.

Shown below is a list of captive agents in Pembroke Pines that are able to give price quote information.

  • Allstate Insurance – 243 N University Dr – Pembroke Pines, FL 33024 – (954) 963-1907
  • State Farm Insurance – 9830 Pines Blvd – Pembroke Pines, FL 33024 – (954) 435-1400

To view a complete directory of car insurance agents in Pembroke Pines, visit this site.

Deciding on an auto insurance agent shouldn’t rely on just the price. Agents should be asked these questions:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is their price quote a firm figure or are their hidden costs?
  • How much will you save each year by using a higher deductible?
  • Is working in the agency their full-time job?
  • Do they specialize in personal lines coverage?
  • Are claims handled at the agent’s location?
  • Can glass repairs be made at your home?

After getting good answers for all questions you ask and a low price estimate, you may have just found a car insurance agent that can properly service your car insurance policy.

Online alternative for car insurance

Local insurance agents are important to many people, but Florida car insurance can also be bought direct over the internet. Some specific companies who have local agents in Pembroke Pines also let you quote and buy online, and consumers should do that.

If you’re uneasy about not having an insurance agent’s advice when buying direct, this is a normal reaction for first-time shoppers. Online car insurance companies that require consumers to choose their own coverages provide customer service to answer your questions. Consumers also can use online education and live help anytime that you can use before buying.

Does car insurance cost less online? That question is hard to answer since there are many things which can raise or lower premium rates. Common logic is that purchasing direct online saves money because there is no commission. For most companies selling online, however, online and traditional media advertising are expensive and this drives up their premium costs.

For more Florida car insurance information

More information is located on the Florida Office of Insurance Regulation website. Click here for link. Visitors are able to read industry bulletins, read enforcement actions against agents and companies, and discover disciplinary actions.

Additional helpful sites include’s Car Insurance: When not to Skimp and this link which helps you find a Pembroke Pines agent.

Smart shoppers get results

When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Pembroke Pines Florida car insurance quote

Cheaper car insurance is definitely available online in addition to many Pembroke Pines insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.