Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you’re not the only one.
With so many choices of insurance companies, it can be diffult for consumers to find the best insurer.
Finding affordable coverage in Sunrise is not rocket science. If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Although Florida drivers do need to know how companies sell online and use this information to your advantage.
To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The recommended way to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.
The recommended way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for repetitive form entry to each individual auto insurance company. Taking the time to complete one form gets you price quotes from auto insurance companies with the best prices.
Another way to obtain and compare quotes online is to take the time to go to each company website and complete a new quote form. For sake of this example, let’s say you want to compare Allstate, Esurance and Progressive. To get rate quotes you would need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in Sunrise, click here.
The most time-consuming way to get comparison rates is driving around to insurance agents’ offices. The internet has reduced the need for local agents unless you prefer the trained guidance that only a license agent can provide. You can, however, find lower rates online and still use a local agent and we’ll touch on that later.
Whichever way you use, compare exactly the same coverage information for each price quote. If the quotes have different deductibles you can’t possibly truly determine the lowest rate in Sunrise. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that having more price comparisons will increase your chances of finding the best rates.
Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.
Listed below are some of the items used by your company to calculate rates.
Companies don’t necessarily list all their discounts very clearly, so we took the time to find some of the more common as well as the least known auto insurance savings.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.
When it comes to choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if your situation might need professional guidance.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Certain consumers just want to buy from a licensed agent and that is just fine! The best thing about comparing rates online is you can get lower rates but also keep your business local.
To find an agent, once you fill out this quick form, your information gets sent to participating agents in Sunrise who will compete for your coverage. There is no reason to drive around due to the fact that quote results will go to your email. Now that’s easy! You’ll get the best rates and a licensed agent to work with.
Deciding on an provider shouldn’t rely on just the premium amount. These are valid questions to ask:
When finding a good insurance agency, there are two different types of agents to choose from. Agents are classified as either independent or captive.
Captive insurance agents can only write with one company such as State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so they have to upsell other benefits. Captive agents are very knowledgeable on the products they sell which can be an advantage.
Listed below is a short list of captive agencies in Sunrise that can give you comparison quotes.
State Farm Insurance – 13790 NW 4th St # 103 – Sunrise, FL 33325 – (954) 846-9333
Allstate Insurance – 4976 NW 88th Ave – Sunrise, FL 33351 – (954) 749-0772
These agents are not required to write business for one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rates, it’s recommended you include several independent insurance agents to ensure the widest selection of prices.
The following are Sunrise independent insurance agencies that are able to give price quotes.
State Auto Tag and Insurance – 10059 Sunset Strip – Sunrise, FL 33322 – (954) 572-9422
Wolf Insurance – 10133 NW 24th Pl # 410 – Sunrise, FL 33322 – (954) 748-7787
Southern Agency Inc – 4980 NW 88th Ave – Sunrise, FL 33351 – (954) 749-1706
To view a full list of Sunrise insurance agents, view this link.
Once you have acceptable answers to your questions and an acceptable price quote, you may have just found an auto insurance agent that will service your policy.
We just showed you quite a bit of information on how to reduce auto insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a small local company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.
When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
More tips and info about auto insurance can be found at the Florida Office of Insurance Regulation website. Florida consumers can read enforcement actions against agents and companies, learn about insurance regulations, and find a variety of consumer forms.