Insider Methods for Low-Cost Davie, FL Car Insurance

Having to pay for overpriced car insurance can dwindle your personal savings and make it hard to pay other bills. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Big-name insurance companies like State Farm, GEICO and Farmers Insurance constantly bombard you with advertising and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding affordable coverage in Davie is easy if you know what you’re doing. But Florida vehicle owners must learn the way companies sell online and take advantage of how the system works.

Comparison of Car Insurance in Davie, FL

Comparing car insurance rates can be a daunting task if you don’t understand the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in Davie, or you can utilize the web to get the quickest rates.

Many popular insurance companies take part in a program where insurance shoppers only type in their quote data once, and each company can give them a price based on that data. This prevents consumers from doing quote requests to every company. To access this free quoting program, click here to start a free quote.

The only downside to comparing rates this way is you don’t know exactly which companies you will receive quotes from. If you prefer to choose from a list of companies to request quotes from, we have a listing of the cheapest car insurance companies in Florida. Click here for list of insurance companies in Florida.

Whichever way you use, ensure you’re using the exact same coverages with every price quote. If you are comparing differing limits you will not be able to determine the lowest rate in Davie. Just a small difference in insurance coverages can make a big difference in price. And when comparison shopping, getting more free quotes helps you find the best offered rates.

Save $484 a year? Really?

Car insurance companies such as Progressive, Allstate and GEICO consistently run ads in print and on television. They all seem to say the same thing that you’ll save big if you change your coverage to them. How can each company make the same claim?save money in Davie FL

Different companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any driver who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential customers who don’t meet the requirements will be quoted a more expensive rate and ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently make the claims of big savings. This emphasizes why drivers must get as many quotes as possible. You cannot predict the company that will fit your personal profile best.

Discounts are available to cut your rates

Auto insurance companies do not advertise every discount very clearly, so we break down some of the best known and the more hidden car insurance savings.

  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Resident Student – Any of your kids who live away from home and do not have a car may be able to be covered for less.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Paperwork-free – A handful of insurance companies give back up to $50 simply for signing digitally online.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of providers with the best car insurance discounts in Florida, follow this link.

But I want to work with a local agent

A small number of people would rather buy from a local agent. The best thing about comparing rates online is you may find better rates and still choose a local agent.

After completing this short form, your information gets sent to agents in your area who will battle to get your business. You don’t have to leave your computer because quoted prices will be sent immediately to your email address. Now that’s easy! You’ll get the best rates and a licensed agent to work with.

Choosing an provider shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:

  • Do they review policy coverages at every renewal?
  • How are they compensated?
  • Is assistance available after office hours?
  • If your car is totalled, how to they determine the replacement cost?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Does the company allow you to choose your own collision repair facility?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

If you wish to select a specific agent in Davie, visit this site.

After receiving positive responses and locked in a price quote, you have narrowed it down to an provider that meets your needs to properly service your car insurance policy.

Even more information can be read at the Florida Office of Insurance Regulation website. Consumers can find out which companies have the most complaints, report car insurance fraud, download brochures, and find out industry alerts.

Keep this in mind

You just learned some good ideas how to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a lesser-known regional company. Some small companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.

Cheaper car insurance is available from both online companies as well as from independent agents in Davie, so you should compare both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.