Find Rock Solid Methods to Save on Pompano Beach Car Insurance

Are you sick and tired of paying out the nose to insure your vehicles every month? You are no different than many other drivers in Florida. There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

Lots of discounts mean lots of savings

Companies do not list every available discount very clearly, so here is a list both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you are throwing money away.

  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Claim Free – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.

Keep in mind that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of insurers with the best car insurance discounts in Pompano Beach, click here to view.

Everyone needs different coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions may help you determine if you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Do I need PIP (personal injury protection) coverage in Florida?
  • Am I covered when driving in Canada or Mexico?
  • Who is covered when they drive my vehicle?
  • Are rental cars covered under my policy?
  • Is my babysitter covered when using my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Won’t my local insurance agent miss me?

Some people would prefer to visit with an insurance agent and that is a personal choice. Insurance agents can answer important questions and give you someone to call. The best thing about getting online price quotes is that you can obtain better rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, the quote information gets sent to local insurance agents in Pompano Beach who will battle for your coverage. You never need to leave your computer due to the fact that quote results will go to your email. How’s that for easy!lower rates in Pompano Beach FL

Picking an provider should depend on more than just the bottom line cost. Here are some questions to ask:

  • Do they specialize in personal lines coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • Are they properly licensed to sell insurance in Florida?
  • How are they compensated?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What is the agency’s Better Business Bureau rating?
  • If your car is in the repair shop, do you have coverage for a rental car?

Compare rates from both independent and captive insurance agents

When looking for local Pompano Beach agents, you need to know there are two different agency structures that you can select. Agencies in Pompano Beach are classified as either captive or independent. Both types can insure your vehicles, but it’s worth learning the difference between them since it can impact the type of agent you choose

Captive Insurance Agents

This type of agents can only place business with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to place coverage with different providers so always compare other rates. Captive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Shown below is a short list of captive agents in Pompano Beach who may provide you with price quotes.

State Farm Insurance – 1701 E Atlantic Blvd # 1 – Pompano Beach, FL 33060 – (954) 941-0515
Allstate Insurance – 431 N Federal Hwy – Pompano Beach, FL 33062 – (954) 781-5444

Independent Agents (or Brokers)

Independent agents do not work for one specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When comparison shopping, you should always include price quotes from multiple independent agents for maximum quote selection.

The following is a short list of independent agencies in Pompano Beach willing to provide price quotes.

lower rates in Pompano Beach FL

Brooke Auto Insurance – 2651 W Atlantic Blvd – Pompano Beach, FL 33069 – (954) 974-2401
Unistar Auto Insurance – 534 W Sample Rd – Pompano Beach, FL 33064 – (954) 788-0000
Richard L Tozzo Agency – 4311 Crystal Lake Dr # 419 – Pompano Beach, FL 33064 – (954) 341-6868

For a complete listing of car insurance agents in Pompano Beach, go to this page.

After receiving positive feedback and a good coverage price, you’ve probably found a car insurance agent that is a good match to properly service your car insurance policy.

To learn more about car insurance in Florida

More detailed Florida car insurance information is available at the Florida Office of Insurance Regulation website. Florida consumers can read industry bulletins, read state legal mandates and laws, and discover disciplinary actions.

More quotes mean more savings

We covered many tips how you can reduce car insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest premiums are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

Cheaper car insurance can be found online and with local Pompano Beach insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.