Auto Insurance in Boca Raton – 6 Ways to Save Money

Shopping online for Boca Raton auto insurance can be complicated if you have never used quoting online. But don’t let that discourage you because there is an easy way to compare rates.

It’s a good habit to do rate comparisons occasionally since rates are constantly changing. Even if you got the best deal on your last policy there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the internet, so by reading this article, you’re going to learn some guaranteed methods to stop overpaying for insurance.

How to Get Boca Raton Auto Insurance Comparison Quotes

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes online. Getting quotes is quite easy as you simply enter your coverage preferences as requested by the quote form. When the form is submitted, the system will order your driving record and credit report and generates pricing information determined by many factors.

This makes it a lot easier to compare rates but the time required to go to many different websites and type in the same information can be a bit repetitive. But it’s very important to have as many quotes as possible in order to find lower prices.

Rate comparisons made easy

An easier way to compare rates utilizes a single form that gets prices from multiple companies. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable and efficient. Once the form is submitted, your coverage is rated and you can select any of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to compare rates using this form now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in your coverages as close as possible to your current policy. Doing this assures you are getting a price comparison based on similar coverages.

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

Companies don’t list all their discounts very clearly, so we break down both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

• Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
• Student Driver Training – Have your child take driver’s ed class if offered at their school.
• Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if you qualify.
• Save over 55 – Mature drivers can possibly qualify for better auto insurance rates.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Air Bag Discount – Factory air bags or automatic seat belts can get savings of more than 20%.

It’s important to understand that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurers with the best auto insurance discounts in Florida, click here to view.

Are insurance agents a thing of the past?

A small number of people would rather buy from a licensed agent. Licensed agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to companies in Boca Raton who will compete to get your business. You don’t have to even leave your home because quoted prices will be sent to the email address you provide.

Selecting an provider shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• What is the agency’s Better Business Bureau rating?
• What will you get paid if your car is a total loss? How is that amount determined?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Are you getting all the discounts the company offers?

If you prefer to contact a specific insurance agent in Boca Raton, visit this link.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-83.jpg" alt="lower rates in Boca Raton” />

Once you have received answers to your satisfaction to any questions you have and a low price estimate, you may have just found a company that will properly insure your vehicles. But keep in mind consumers can terminate coverage for any reason so never assume that you are obligated to a policy for any length of time.

Auto insurance coverages explained

Having a good grasp of auto insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like dental work, funeral costs, doctor visits, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your vehicle.

Since many Florida drivers only purchase the least amount of liability that is required (10/20/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses, emergency aid, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Florida state minimum liability requirements are 10,000/20,000/10,000 but drivers should carry more liability than the minimum.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane, vandalism, damage from flooding and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, crashing into a ditch, rolling your car, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

More detailed Florida auto insurance information is available at the Florida Office of Insurance Regulation website. Consumers can view agent and company licensing information, learn about specific coverages, and find out industry alerts.

Quote often and quote early

We just covered some good ideas how to compare auto insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest premiums are with a lesser-known regional company.

Cost effective auto insurance can be bought both online and with local Boca Raton insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Drivers change insurance companies for any number of reasons including unfair underwriting practices, not issuing a premium refund, policy non-renewal or extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is not as hard as you think.