Want to learn how to find cheaper auto insurance rates in Riviera Beach, FL? High-priced auto insurance in Riviera Beach can consume your bank account, especially in this economy. Price shopping at each renewal can be a smart way to lower your monthly bill.
Amazingly, most auto insurance buyers have purchased from the same company for more than four years, and nearly the majority have never shopped around. With the average premium in Florida being $2,200, drivers can cut their rates by 55% a year just by shopping around, but most undervalue the benefits if they switched.
Drivers have so many insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost auto insurance.
It's a great practice to check auto insurance prices once or twice a year since insurance prices change regularly. Even if you think you had the best price on auto insurance a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because it's time to teach you the right way to remove unneeded coverages and save money.
Take policy discounts and save on car insurance
Insurance can cost an arm and a leg, but companies offer discounts that many consumers don't even know exist. Certain discounts will be triggered automatically at quote time, but a few must be manually applied before you will receive the discount.
- Auto/Home Discount - If you can combine your homeowners and auto policy with one insurance company you could save at least 10% off all policies.
- More Vehicles More Savings - Having multiple cars on a single policy can reduce rates for all insured vehicles.
- Anti-lock Brake Discount - Vehicles with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
- Defensive Driver - Taking part in a course teaching driver safety skills is a good idea and can lower rates depending on where you live.
- College Student Discount - College-age children who are attending college and do not take a car to college may qualify for this discount.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that you could get a free car insurance policy, companies don't profit that way.
Some companies that possibly offer these money-saving discounts may include but are not limited to:
Before you buy a policy, ask every insurance company to apply every possible discount. A few discounts may not apply to policyholders in every state. To locate companies who offer online car insurance quotes in Florida, click this link.
All major auto insurance companies make it easy to get insurance quotes online. Getting online rates is quite simple as you simply enter the coverage amounts you desire on the page. After the form is submitted, their quoting system makes automated requests for your driving and credit reports and gives you a price quote. This makes it simple to compare prices and it is imperative to have as many quotes as possible in order to get the best rate possible.
To save time and fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you enter the coverages just like they are on your policy. This ensures you are getting a price comparison for the exact same coverage.
The auto insurance companies shown below are ready to provide quotes in Riviera Beach, FL. If your goal is to find cheap auto insurance in Florida, we suggest you visit two to three different companies in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ 2WD||$1,958||$979||$163|
|Chevrolet Impala LT||$1,108||$554||$92|
|Chevrolet Silverado LS Crew Cab 4WD||$1,810||$905||$151|
|Dodge Ram Crew Cab TRX 4WD||$1,478||$739||$123|
|Ford Edge SEL 2WD||$1,606||$803||$134|
|Ford Escape XLS 2WD||$1,188||$594||$99|
|Ford F-150 XLT Regular Cab 4WD||$1,174||$587||$98|
|Ford Focus SE 4-Dr Sedan||$1,416||$708||$118|
|Honda Accord LX 4-Dr Sedan||$1,246||$623||$104|
|Honda CR-V LX 2WD||$1,346||$673||$112|
|Honda Civic GX 4-Dr Sedan||$1,450||$725||$121|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,194||$597||$100|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,432||$716||$119|
|Nissan Rogue SL 2WD||$1,230||$615||$103|
|Toyota Camry SE||$1,400||$700||$117|
|Toyota Corolla S||$1,502||$751||$125|
|Toyota RAV4 Sport 2WD||$1,108||$554||$92|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in zip code location which can decrease or increase rates substantially.
Higher deductibles save money
The example below illustrates how choosing a deductible and can affect Ford F-150 insurance prices for different ages of insureds. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Why you might pay higher rates in Riviera Beach
Many different elements are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but some are not as apparent such as your marital status or your financial responsibility.
The items below are a few of the things used by your company to calculate premiums.
Youthful drivers pay more - More mature drivers are viewed as being more responsible, statistically cause fewer accidents, and receive fewer citations.Drivers with little experience are proven to be easily distracted with other occupants in the car so auto insurance rates are higher.
Maintain auto insurance coverage - Having an insurance coverage lapse is a quick way to pay more for auto insurance. In addition to paying higher rates, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
Improve your credit rating - Having a bad credit rating is likely to be a major factor in calculating your premium rate. People that have good credit tend to be better risks to insure as compared to drivers with lower credit scores. If your credit history is lower than you'd like, you could potentially save money when insuring your vehicle if you clean up your credit.
Lower premiums with alarm systems - Buying a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent your vehicle from being stolen.
Buy as much liability coverage as you can afford - The liability coverage on your policy will afford coverage if a jury decides you are liable for an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
Insurance agencies can help
Many people would rather sit down and talk to an agent and that is OK! One of the best bonuses of price shopping on the web is the fact that drivers can get the lowest rates and still have a local agent. And providing support for local insurance agents is important particularly in Riviera Beach.
To make it easy to find an agent, after completing this short form, your coverage information is sent to local insurance agents in Riviera Beach who will gladly provide quotes for your car insurance coverage. There is no reason to find an agent on your own since rate quotes are delivered to your email. Get lower rates and a licensed agent to talk to. If you need to compare prices from a specific company, you can always find their quoting web page and fill out their quote form.
If you want to buy car insurance from a reputable agency, it can be helpful to understand the different types of agents and how they function. Insurance agencies in Riviera Beach can either be independent or exclusive.
Independent Agencies or Brokers
Agents of this type do not have single company limitations and that allows them to write policies with an assortment of companies and potentially find a lower price. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency.
When comparing car insurance prices, we recommend you compare prices from at least one independent agent to get the most accurate price comparison.
Exclusive Car Insurance Agents
Exclusive agencies work for only one company like State Farm, Allstate and AAA. They are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates.
Picking the best insurance agency should depend on more than just a cheap price. These are some questions your agent should answer.
- Are they actively involved in the community?
- How many years of experience in personal auto insurance do they have?
- Is there a Errors and Omissions policy in force?
- Do they have a Better Business Bureau rating in Riviera Beach?
- Are claims handled at the agent's location?
After getting good feedback to any questions you have and low cost Riviera Beach auto insurance quotes, it's a good possibility that you have found an insurance agent that can service your policy. Keep in mind once you purchase a policy you can cancel coverage at any point so never feel that you're stuck with a policy for any length of time.
Insurance does more than just repair your car
Despite the high insurance cost in Riviera Beach, insuring your vehicle serves several important purposes.
- The majority of states have mandatory insurance requirements which means the state requires a minimum amount of liability coverage in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it's guaranteed your bank will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your vehicle at a much higher premium rate and require you to fork over a much higher amount than you were paying before.
- Insurance protects both your assets and your vehicle. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. But the average American driver is overpaying more than $865 each year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.
Quote more to save more
Budget-conscious car insurance can be bought on the web as well as from independent agents in Riviera Beach, and you should be comparing both to have the best rate selection. There are still a few companies who don't offer online quoting and usually these smaller providers provide coverage only through local independent agents.
We just presented many tips how you can save on car insurance in Riviera Beach. The key concept to understand is the more companies you get auto insurance rates for, the better likelihood of getting the cheapest Riviera Beach auto insurance quotes. You may even be surprised to find that the lowest rates are with a company that doesn't do a lot of advertising. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.
While you're price shopping online, you should never buy poor coverage just to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.
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