Wasting Money on Auto Insurance in Pembroke Pines, FL? Here’s How to Save!
Finding affordable Pembroke Pines auto insurance is always a challenge for beginners to shopping for insurance online. Consumers have so many options that it can be a lot of work to find lower rates in Pembroke Pines.
Cheap Pembroke Pines Auto Insurance Comparisons
There are several ways you can shop for auto insurance and some are more efficient than others. You can waste a lot of time talking about coverages with insurance companies in Pembroke Pines, or you could save time and use the web to get prices fast.
Most of the best insurance companies participate in a marketplace that enables customers to send in one quote, and every company can give them a price determined by their information. This eliminates the need for quote requests to each company.
To find out how much you can save on auto insurance click here to open in new window.
The one downside to using this type of form is that consumers can’t choose which providers you want to price. If you would rather choose specific providers to request quotes from, we have a page of low cost auto insurance companies in Florida. Click here to view list.
Which method you use is up to you, but make sure you use exactly the same information with every price quote. If you are comparing different liability limits then you won’t be able to truly determine the lowest rate in Pembroke Pines. Having just a slight variation in limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices helps you find better pricing.
Lots of discounts mean lots of savings
Companies that sell car insurance don’t always list all their discounts very well, so we took the time to find both the well known and the more hidden discounts you could be receiving.
- Safe Driver Discount – Safe drivers can pay as much as 50% less than less cautious drivers.
- Federal Government Employee – Active or retired federal employment could cut as much as 10% off depending on your company.
- Drivers Education – Have your child successfully complete driver’s ed class in high school.
- Paperwork-free – Certain companies may give you up to $50 simply for signing online.
- Homeowners Discount – Owning a house in Pembroke Pines can save you money because maintaining a house shows financial diligence.
- Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
- Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
- College Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Consumers should know that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.
To see a list of companies with discount auto insurance rates in Florida, click here.
What if I want to buy from a local Pembroke Pines agent?
Certain consumers prefer to sit down with an agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is the fact that you can find better rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, the quote information is instantly submitted to local insurance agents in Pembroke Pines who will give you bids for your business. There is no reason to leave your computer because quoted prices will be sent immediately to your email address. How’s that for easy! Get lower rates and a licensed agent to work with.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-66.jpg" alt="Pembroke Pines FL car insurance prices“/>
Picking a company needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they regularly work with personal auto policies?
- How many years of experience in personal lines insurance coverages do they have?
- Do the companies they represent have a solid financial rating?
- Does the agency have a good rating with the Better Business Bureau?
- How much can you save by raising your physical damage deductibles?
- Did they already check your driving record and credit reports?
- Is assistance available after office hours?
Captive agents vs. Independent agents
When finding a reliable agent, you must know there are a couple different types of agents from which to choose. Insurance agencies in Pembroke Pines are classified as either captive or independent (non-captive).
Captive Insurance Agents
This type of agents can only write with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to give you multiple price quotes so always compare other rates. Captives receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Below are captive agents in Pembroke Pines who may provide you with comparison quotes.
- Allstate Insurance – 9000 Sheridan St # 160 – Pembroke Pines, FL 33024 – (954) 436-6600
- State Farm Insurance – 10448 Taft St – Pembroke Pines, FL 33026 – (954) 431-8303
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
When comparing rates, you should always get quotes from several independent insurance agents to have the most options to choose from.Many can place coverage with smaller regional carriers who may have lower rates.
Shown below are Pembroke Pines independent insurance agents who can help you get comparison quotes.
- All Seasons Insurance Group – 6768 Pembroke Rd – Pembroke Pines, FL 33023 – (305) 576-6331
- Concept Insurance – 10021 Pines Blvd # C106 – Pembroke Pines, FL 33024 – (954) 433-0811
For a complete listing of Pembroke Pines insurance agents, visit this site.
After receiving answers to your satisfaction for all questions you ask as well as a affordable price, you may have just found a car insurance agent that can properly service your auto insurance policy.
How do I know if I need professional advice?
When buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.
These are some specific questions could help you determine if you would benefit from an agent’s advice.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered if I crash into my own garage door?
- Should I drop comprehensive coverage on older vehicles?
- Do I have coverage for damage caused while driving under the influence?
- Am I covered when driving a rental car?
- Can I pay claims out-of-pocket if I buy high deductibles?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.
Additional detailed information can be read at the Florida Office of Insurance Regulation website. Florida drivers can file complaints about a company, find out industry alerts, and read state legal mandates and laws.
Summing up your auto insurance search
Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, policy cancellation or even denial of a claim. It doesn’t matter what your reason, finding a great new company can be pretty painless.
While you’re price shopping online, never sacrifice coverage to reduce premiums. There have been many cases where an insured cut collision coverage only to find out that they should have had better coverage. Your goal should be to buy enough coverage for the lowest price.
Cheap auto insurance can be purchased on the web and also from your neighborhood Pembroke Pines agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.