Boynton Beach Car Insurance For Less Than You’re Paying Now

Finding lower rates for Boynton Beach car insurance can seem to be a challenge for consumers not familiar with shopping for insurance online. People have so many companies to choose from that it can be a real challenge to find lower rates in Boynton Beach.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. This information will instruct you on how car insurance quotes work and some money-saving tips. Although Florida drivers do need to learn how the larger insurance companies market insurance on the web and apply this information to your search.

Informed Drivers can Cut Their Rates

It’s important that you understand the different types of things that help determine your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with better car insurance rates.

The following are a partial list of the pieces car insurance companies consider when setting rates.

  • What type of vehicle do you drive? – The make and model of the vehicle you drive makes a significant difference in determining your rates. Lower performance four cylinder passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
  • Consolidate policies to earn discounts – The majority of companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Your job and insurance rates – Did you know your car insurance rates can be affected by your occupation? Occupations such as doctors, executives and dentists have the highest average rates because of high stress levels and long work days. Other occupations such as actors, historians and homemakers get better rates.
  • Drive less and save money – The more miles you rack up on your car every year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your car insurance policy shows how each vehicle is driven, because it can save money.
  • Protect your assets with liability insurance – Your policy’s liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • How credit affects car insurance rates – A driver’s credit score is a large factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores. If your credit is low, you could be paying less to insure your by improving your rating.
  • Too many car insurance claims drive up costs – Auto insurance companies in Florida award lower rates to policyholders who do not file claims often. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

These discounts can lower your rates

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but some may not be applied and must be inquired about before being credited.

  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
  • Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Federal Employees – Active or retired federal employment may qualify you for a discount depending on your company.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, car insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.

To choose companies offering car insurance discounts in Boynton Beach, follow this link.

Don’t I need to talk to an agent?

Some people would prefer to buy from a local agent and that is just fine! One of the best bonuses of price shopping on the web is you may find lower rates but still work with a licensed agent. And supporting local agencies is important especially in Boynton Beach.

To find an agent, once you fill out this simple form, the coverage information is instantly submitted to local insurance agents in Boynton Beach who will battle for your insurance coverage. There is no reason to leave your house since price quotes are sent to the email address you provide. It doesn’t get any easier! You can find the lowest rates and work with a local agent.

Insurance agent types

When looking for a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Insurance agencies in Boynton Beach are categorized either captive or independent.

Independent Agents

Independent agencies 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 you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies. When shopping rates, it’s recommended you include at least one independent agent to ensure the widest selection of prices.Most can insure with smaller regional carriers which can be an advantage.

The following are Boynton Beach independent insurance agencies willing to provide competitive price quotes.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-118.jpg" alt="Florida car insurance quote”/>

  • Main Street America Insurance – – Boynton Beach, FL 33436 – (561) 737-2958
  • Cynthia D’Amico Insurance – 10114 S Military Trl # 115 – Boynton Beach, FL 33436 – (561) 737-2335
Captive Insurance Agents

This type of agents work for only one company and examples are State Farm, Allstate and AAA. These agents are unable to compare other company’s rates so keep that in mind. Captive agents are trained well in insurance sales which can be an advantage. Some consumers prefer to buy insurance from these agents primarily because of the brand legacy and solid financial strength.

Below is a list of captive agents in Boynton Beach that can give you comparison quotes.

  • Farm Bureau Insurance – 221 SE 4th St – Boynton Beach, FL 33435 – (561) 734-2660
  • State Farm Insurance – 1403 W Boynton Beach Blvd # 7g – Boynton Beach, FL 33426 – (561) 737-4950
  • Allstate Insurance – 200 Knuth Rd # 132 – Boynton Beach, FL 33436 – (561) 733-0366

To view a full list of captive insurance agents in Boynton Beach, view this link.

Choosing an insurance agent requires more thought than just the bottom line cost. Any agent should have no problem answering these questions:

  • How are claims handled?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Does the agency have a good rating with the Better Business Bureau?
  • Can glass repairs be made at your home?
  • Is vehicle mileage a factor when determining depreciation for repairs?

Once you have reasonable responses to any questions you have and an affordable coverage quote, chances are good that you have found a car insurance agent that meets your needs to properly insure your vehicles.

Beware of misleading car insurance ads

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make the same claim of big savings after switching your policy. But how can every company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For example, a preferred risk could possibly be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters receives the best rates and as a result will probably pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile will have to pay higher prices and ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can advertise the way they do.

Because of the profiling, you absolutely need to get as many comparisons as possible. It is impossible to predict which insurance companies will give you the biggest savings.

How much car insurance do I need?

When choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • How many claims can I have before being cancelled?
  • How much liability coverage do I need in Florida?
  • Should I rate my vehicle as pleasure use or commute?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

More consumer information in Florida

More information can be found on the Florida Office of Insurance Regulation website located here. Consumers can read industry bulletins, read consumer alerts, find a variety of consumer forms, and read state legal mandates and laws.

Also read more on Wikipedia and this list of agents in Boynton Beach, FL.

Smart shoppers get results

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

Low-cost car insurance can be sourced on the web in addition to many Boynton Beach insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented some good ideas how you can reduce car insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a smaller regional carrier.