Lower Pricing from Fort Lauderdale, FL Car Insurance Agents

To locate an insurance agent in Fort Lauderdale, FL, you can always start your research by comparing rates online to save time. Consumers require a decent agent, but also need the best price on car insurance.

Companies like Progressive, State Farm and GEICO constantly bombard you with ad campaigns and consumers find it hard to see past the corporate glitz and find the best price available.

Fort Lauderdale agents for car insurance

Professional agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.

After completing this simple form, your insurance coverage information gets sent to participating agents in Fort Lauderdale who will compete for your insurance coverage. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. Now that’s easy!

Deciding on an auto insurance agent shouldn’t rely on just a cheap price. Some important questions to ask are:

  • Who are their largest clients?
  • Is the agent and/or agency licensed to do business in Florida?
  • How much can you save by raising your physical damage deductibles?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they carry Errors and Omissions coverage?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are you getting all the discounts the company offers?

Not all auto insurance agents are the same

When searching for local Fort Lauderdale agents, there are two different types of agents that you can select. Agents are categorized either independent (non-captive) or captive. Either one can write coverage properly, but it’s worth learning how they are different since it can impact the type of agent you choose

Agency Captives

These agents can only place business with one company and examples are State Farm, AAA and Liberty Mutual. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are very knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes choose to use a captive agent primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following are captive insurance agents in Fort Lauderdale willing to provide price quotes.

  • Allstate Insurance – 6261 NW 6th Way # 102 – Fort Lauderdale, FL 33309 – (954) 564-5333
  • State Farm Insurance – 5395 NE 14th Ave – Fort Lauderdale, FL 33334 – (954) 202-5072
Independent Agents

Independent agencies are not required to write business for one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When searching for an agent, it’s recommended you contact multiple independent agents to get the best comparison. Many write coverage with different regional companies which may provide better rates.

Below is a list of independent agencies in Fort Lauderdale willing to provide price quotes.

  • Atlas General Agency Inc – 500 W Cypress Creek Rd – Fort Lauderdale, FL 33309 – (954) 351-9600
  • Sapoznik Insurance – 211 NE 2nd St – Fort Lauderdale, FL 33301 – (954) 760-4774
  • Anderson Insurance – 2212 E Oakland Park Blvd – Fort Lauderdale, FL 33306 – (954) 565-4321

For a full directory of car insurance agents in Fort Lauderdale, visit this link.

Once you have answers to your satisfaction to any questions you have and a good coverage price, chances are good that you have found an insurance agent that meets your needs to properly insure your vehicles.

Can you buy online and save?

Insurance agents are indespensible for some people, but Florida consumers also have the option to buy direct over the internet. Some companies, such as State Farm, Allstate and Farmers, who sell through agents in Fort Lauderdale also allow consumers to buy a policy online. This is something to consider if you don’t want to take the time to contact agents.

If you’re anxious about not having professional advice, don’t be too concerned. Car insurance companies all provide contact methods you can use to get advice on coverages. Many online companies also provide extensive coverage information and 24/7 assistance that you can use before buying.

Do online companies have better rates? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many factors that determine the price you pay. Many people think that shopping online for auto insurance saves the cost of an agent commission. But in reality, the cost of constant advertising is expensive so this can offset any savings.

Informative consumer insurance sites

More detailed Florida car insurance information can be found at the Florida Office of Insurance Regulation website. Consumers can view agent and company licensing information, read consumer alerts, learn about insurance regulations, and read state legal mandates and laws.

Other informative sites include this site for Florida car insurance information and see this list of insurance agents in Fort Lauderdale.

Quote often and quote early

People who switch companies do it for many reasons like high rates after DUI convictions, policy non-renewal, questionable increases in premium or even denial of a claim. It doesn’t matter why you want to switch switching car insurance companies can be pretty painless.

Fort Lauderdale FL auto insurance

Cheap car insurance is attainable online in addition to many Fort Lauderdale insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.