Are you burned out from not being able to scrape enough together to make your insurance payment? You are in the same boat as many other Florida consumers.

Unthinkable but true, the vast majority of insurance customers renewed their policy with the same company for at least the last four years, and approximately 38% of consumers have never taken the time to shop around. Parkland drivers could cut their rates by roughly 55% a year by just comparing quotes, but they won't spend time to shop around. Multiple insurance companies compete for your business, and it can be difficult to compare rates and get the definite cheapest price on insurance.

If you are insured now or are just looking to switch companies, follow these tips to reduce premiums without sacrificing coverage. Buying the cheapest car insurance in Parkland is actually quite easy if you know where to start. Comparison shoppers just have to use the most efficient way to buy car insurance instantly.

The quickest method to get rate comparisons is to understand most larger insurance companies pay for the opportunity to give rate comparisons. To get started, all you need to do is give the companies some data such as your job, deductibles desired, your education level, and whether or not you need a SR-22. That information gets sent immediately to multiple top-rated companies and you will get price comparisons immediately.

To find lower rates now, click here and find out if lower rates are available in Parkland.

The companies shown below have been selected to offer price comparisons in Parkland, FL. If multiple companies are shown, it's a good idea that you click on several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Parkland
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,314 $657 $110
Chevrolet Silverado LTZ Crew Cab 2WD $1,612 $806 $134
Dodge Ram Crew Cab SLT 4WD $1,334 $667 $111
Ford Edge SE AWD $1,290 $645 $108
Ford Escape XLT 4WD $1,558 $779 $130
Ford Explorer Limited 2WD $1,486 $743 $124
Ford F-150 FX4 4WD $1,348 $674 $112
Ford Focus S 4-Dr Sedan $1,370 $685 $114
Honda Accord EX 4-Dr Sedan $1,066 $533 $89
Honda CR-V EX-L 4WD $954 $477 $80
Honda Civic VP 4-Dr Sedan $1,282 $641 $107
Hyundai Sonata GLS 4-Dr Sedan $1,300 $650 $108
Nissan Altima 3.5 SR 4-Dr Sedan $1,158 $579 $97
Nissan Rogue S AWD $1,300 $650 $108
Toyota Camry SE $1,750 $875 $146
Toyota Corolla LE $1,340 $670 $112
Toyota RAV4 Limited 2WD $1,120 $560 $93
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in zip code location which can decrease or increase premium rates significantly.

Can higher deductibles save money?

One common question asked by Parkland drivers is how high should the deductibles for physical damage be. The following tables may aid in understanding the rate difference when you choose different comp and collision deductibles. The first rate estimation uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $358 $648 $418 $24 $124 $1,597 $133
Malibu Hybrid $358 $648 $418 $24 $124 $1,597 $133
Malibu LT $406 $648 $418 $24 $124 $1,645 $137
Malibu LTZ $406 $764 $418 $24 $124 $1,761 $147
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Chevrolet Malibu insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $262 $438 $418 $24 $124 $1,266 $106
Malibu Hybrid $262 $438 $418 $24 $124 $1,266 $106
Malibu LT $296 $438 $418 $24 $124 $1,300 $108
Malibu LTZ $296 $516 $418 $24 $124 $1,378 $115
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in garaging location in Parkland which can raise or lower coverage prices significantly.

Based on the figures above, using a $100 deductible costs about $29 more each month or $348 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 14 months between claim filings, you would probably come out ahead going with the higher deductible.

Discounts for lower Parkland car insurance rates

Some insurers don't necessarily list all available discounts very well, so the list below details a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Parkland car insurance online.Cheaper car insurance with discounts

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn't stay in business. Any amount of discount will help lower your car insurance premiums.

A few companies who might offer these benefits are:

It's a good idea to ask all the companies how you can save money. Some discounts listed above may not apply to policies in Parkland. To find insurance companies that offer some of these discounts in Parkland, click here.

Local Parkland auto insurance agents and car insurance

A small number of people would rather talk to an insurance agent and doing so can bring peace of mind Good agents are trained risk managers and help submit paperwork. A nice benefit of getting free rate quotes online is the fact that you can find cheaper rates and still choose a local agent.

Insurance agency in ParklandFor easy comparison, once you complete this simple form, the quote information is immediately sent to companies in Parkland who can give free rate quotes for your coverage. There is no reason to leave your computer as quotes are delivered immediately to you. If you want to compare rates from a specific car insurance provider, you would need to navigate to their website and fill out their quote form.

Choosing the best company shouldn't rely on just the bottom line cost. Below are some questions you should ask.

If you need to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies that you can choose from. Car insurance agents in Parkland can be classified as either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it's good to learn why they differ because it may have an impact on which type of agent you select.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agencies are well trained on what they offer and that allows them to sell at a higher price point.

Independent Car Insurance Agents

These agents are appointed with more than one company so they can quote policies with many different companies enabling the ability to shop coverage around. If they find a cheaper price, your agent can just switch to a different company and you won't have to switch agencies.

If you are trying to find cheaper rates, we highly recommend that you get quotes from multiple independent agents so that you have a good selection of quotes to compare.

If you get positive responses for all questions you ask as well as a price you're happy with, you may have found an auto insurance agent that meets the requirements to properly service your car insurance policy.

What insurance coverages do I need?

Keep in mind that when it comes to choosing the right insurance coverage, there really isn't a one-size-fits-all type of policy. You are unique.Insurance savings

These are some specific questions can help discover whether you will benefit from professional help.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and you can get the answers you need.

Lower Parkland car insurance rates

Many factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but some are not as apparent such as your credit history or how safe your car is. A large part of saving on car insurance is knowing some of the elements that play a part in calculating your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that could result in big savings.

Listed below are some of the things used by companies to determine your rates.

Insuring your vehicle just makes sense

Despite the high insurance cost in Parkland, buying car insurance is required for several reasons.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. According to a recent study, the average American driver overpays as much as $700 annually so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.

Affordable insurance rates are out there

Affordable insurance in Parkland is available on the web in addition to local insurance agencies, so you need to quote Parkland car insurance with both to get a complete price analysis. Some companies don't offer online quoting and these regional carriers only sell through independent agents.

People who switch companies do it for a number of reasons such as questionable increases in premium, delays in paying claims, high rates after DUI convictions or even unfair underwriting practices. Regardless of your reason for switching companies, switching insurance companies can be easier than you think.

When getting Parkland car insurance quotes online, don't be tempted to buy poor coverage just to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn't purchase enough coverage. Your goal should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

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