Quote Miramar Florida Car Insurance at a Discount With These Tricks

If online car insurance comparisons are new to you, you can be overwhelmed due to the large number of car insurance companies offering insurance in Miramar.

It’s a great practice to take a look at other company’s rates every six months since rates are constantly changing. Even if you think you had the best rates six months ago other companies may now be cheaper. So just forget all the misinformation about car insurance because you’re going to get a crash course in how to use the internet to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. The purpose of this article is to tell you how to get online quotes and some money-saving tips. But Florida consumers do need to understand the way companies sell online and take advantage of how the system works.

Educated Consumers Know How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know some of the elements that help determine car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get better car insurance rates.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Rates may be higher depending on your occupation – Occupations such as lawyers, executives and dentists tend to pay the highest average rates in part from stressful work requirements and lots of time spent at work. Other occupations like actors, historians and the unemployed have the lowest average rates.
  • Poor driving leads to higher costs – Even a single ticket can increase rates by as much as thirty percent. Good drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • No coverage gaps is important – Allowing your coverage to lapse will be a quick way to bump up your car insurance costs. Not only will you pay more, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with the Florida motor vehicle department.
  • Equipment add-ons that lower car insurance rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

Pay less by taking advantage of discounts

Car insurance is not cheap, but you may find discounts to help offset the cost. Most are applied at quote time, but some must be asked about before you get the savings.

  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Government Employees – Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Save over 55 – Older drivers may receive a small decrease in premiums.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. But any discount will bring down your overall premium however.

To see a list of insurance companies offering car insurance discounts in Florida, click here.

Car Insurance through a local agent

Certain consumers prefer to talk to a local agent. One of the best bonuses of comparing rates online is that you can obtain the lowest rates but still work with a licensed agent. And supporting local agencies is especially important in Miramar.

Upon completion of this simple form, your insurance coverage information gets sent to insurance agents in Miramar who will return price quotes for your insurance coverage. There is no need to visit any agencies since price quotes are sent immediately to your email address. How’s that for easy! You can find better rates and a licensed agent to work with.

Different types of Miramar auto insurance agents

When looking for a good Miramar insurance agent, you need to know there are two types of insurance agents from which to choose. Insurance agencies in Miramar are either independent (non-captive) or captive.save money in Miramar FL

Independent Insurance Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When comparing rates, it’s a good idea to include price quotes from at a minimum one independent agency to get the best comparison.Most can insure with smaller companies who may have lower rates.

Below are Miramar independent insurance agencies willing to provide competitive price quotes.

  • E and E Insurance Svc – 3252 Foxcroft Rd – Miramar, FL 33025 – (954) 441-7035
  • A Automotive Insurance Inc – 7154 Pembroke Rd – Miramar, FL 33023 – (954) 893-0005
Captive Agents

Captive agencies work for only one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. Captives cannot compare other company’s rates so keep that in mind. Captive agents are trained well on their company’s products which can be an advantage. Consumers often buy from captive agents partially due to loyalty to the company and strong financial ratings.

Shown below are Miramar captive insurance agents that can give you price quote information.

  • Allstate Insurance – 6108 Miramar Pkwy – Miramar, FL 33023 – (954) 961-7504
  • State Farm Insurance – 3332 S University Dr – Miramar, FL 33025 – (954) 450-8355

To view a complete directory of Miramar captive insurance agents, visit this site.

Selecting an insurance agent needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • Do they specialize in personal lines coverage?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do they review policy coverages at every renewal?
  • How long has their agency been in business in Miramar?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

After receiving good answers as well as a affordable price, it’s possible that you found an insurance agent that meets your needs to insure your vehicles.

Car insurance ads bend the truth

Companies like Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. All the ads have a common claim of big savings if you change to their company. How do they all make almost identical claims?

All companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be profiled as between the ages of 40 and 55, has no tickets, and has great credit. A propective insured who fits that profile will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who do not match this ideal profile will be charged a higher premium which usually ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can claim big savings.

That is why it is so important to get as many comparisons as possible. You cannot predict which car insurance company will fit your personal profile best.

Miramar insurance cheap

Much more information about car insurance in Florida can be found on the Florida Office of Insurance Regulation website found here. Visitors are able to get help finding coverage, find disaster information, find out which companies have the most complaints, and download brochures.

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Final thoughts

Drivers switch companies for a number of reasons such as high prices, high rates after DUI convictions, policy cancellation or policy non-renewal. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.

We just covered a lot of information how to save on car insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with a small mutual company.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.