10 Ways to Save Money on Auto Insurance in Lauderhill

Shopping for the cheapest Lauderhill auto insurance on the web is intimidating for consumers not familiar with buying insurance on the web. With so many choices of online companies, how can consumers have a chance to compare them all to find the best available rates?

How to Compare Lauderhill Auto Insurance Rates

Cutting your Lauderhill auto insurance rates is actually quite simple. Just take a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  • The first (and easiest) way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quotation requests to each individual auto insurance company. One form submission gets you coverage quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  • A harder way to analyze rates consists of going to each individual company website to complete a price quote. For sake of this example, let’s say you want rates from Allstate, Safeco and GMAC. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in Lauderhill, click here.
  • The most time-consuming method to get comparison rates is driving around to different Lauderhill agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed Lauderhill agents. It is possible to find lower rates online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just compare the exact same coverages and limits on every quote. If you have different deductibles it will be very difficult to determine the lowest rate in Lauderhill.

Don’t miss out on these ten money-saving discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Most are applied when you purchase, but a few need to be manually applied before you will receive the discount. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Paperless Signup – A few companies will give a small break simply for signing over the internet.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Federal Employees – Simply working for the federal government may qualify you for a discount with select insurance companies.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce your overall premium however.

To see a list of companies offering auto insurance discounts in Florida, click this link.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions can aid in determining if your situation might need an agent’s assistance.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-18.jpg" alt="Lauderhill FL insurance quotes“/>

  • Do I need to file an SR-22 for a DUI in Florida?
  • Do all my vehicles need collision coverage?
  • Should I buy only the required Florida minimum liability coverage?
  • Am I covered when driving a rental car?
  • What if I don’t agree with a claim settlement offer?
  • Does liability extend to a camper or trailer?
  • What should my uninsured motorist coverage limits be in Florida?
  • Does my vehicle qualify for pleasure use?
  • How much liability do I need to cover my assets?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, vandalism, theft and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, colliding with a tree, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as funeral expenses, medical services, bail bonds, legal defense fees and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. Florida state minimum liability requirements are 10,000/20,000/10,000 but drivers should carry more liability than the minimum.

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Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for hospital visits, X-ray expenses, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many Florida drivers only carry the minimum required liability limits (which is 10/20/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Additional information is available on the Florida Office of Insurance Regulation website located here. Visitors are able to get help finding coverage, view agent and company licensing information, file complaints about an insurance agent or broker, and find out industry alerts.