Trying to find cheaper auto insurance rates in West Palm Beach, FL? West Palm Beach shoppers have lots of choices when shopping for the best price on car insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance and we'll show you the quickest way to compare rates for a and locate the best price possible.

Discounts to earn lower West Palm Beach insurance rates

Car insurance companies do not advertise every possible discount in an easy-to-find place, so we break down both well-publicized as well as the least known credits that you can use to lower your rates. If they aren't giving you every credit possible, you are just wasting money.Save money with discounts

Don't be shocked that most discount credits are not given the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you're out of luck. But all discounts will reduce the amount you pay for coverage.

To view insurance companies that offer some of these discounts in West Palm Beach, click this link.

The companies in the list below have been selected to offer comparison quotes in Florida. To buy the cheapest car insurance in Florida, it's highly recommended you visit several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in West Palm Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,570 $785 $131
Chevrolet Silverado LT Regular Cab 2WD $1,692 $846 $141
Dodge Grand Caravan Hero $1,314 $657 $110
Dodge Ram Crew Cab ST 4WD $1,430 $715 $119
Ford Escape XLT 2WD $1,110 $555 $93
Ford F-150 FX4 Super Cab 4WD $1,518 $759 $127
Ford Focus SEL 4-Dr Sedan $1,002 $501 $84
Ford Fusion S 4-Dr Sedan $1,232 $616 $103
GMC Sierra SLT Crew Cab 2WD $1,356 $678 $113
Honda Accord EX 2-Dr Coupe $1,256 $628 $105
Honda CR-V EX-L 2WD $1,414 $707 $118
Honda Civic SI 2-Dr Coupe $1,850 $925 $154
Nissan Altima Hybrid 4-Dr Sedan $1,372 $686 $114
Toyota Camry SE $1,520 $760 $127
Toyota Corolla XLE $1,400 $700 $117
Volkswagen Jetta 2.0T Station Wagon $1,330 $665 $111
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific garaging location which can affect price quotes noticeably.

How high should deductibles be?

The chart below illustrates how choosing a deductible and can impact Chevrolet Tahoe yearly insurance costs for each different age category. Data assumes a married female driver, comp and collision included, and no additional discounts are factored in.

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

Full coverage versus liability-only

The chart below illustrates the difference between Hyundai Elantra auto insurance rates with and without physical damage coverage. The data assumes no claims or driving citations, $500 deductibles, single female driver, and no discounts are applied to the premium.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There is no definitive guideline of when to drop physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's pretend your Hyundai Elantra book value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your policy deductible. If it's costing you more than $700 annually for physical damage coverage, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

There's no such thing as the perfect auto insurance policy

When choosing the right insurance coverage, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Drive safe and save

For instance, these questions may help highlight if you may require specific advice.

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Shop online but buy locally

Many drivers prefer to buy from a local agent and we recommend doing that Professional insurance agents can answer important questions and help submit paperwork. A good thing about comparing rates online is you may find cheaper prices and still buy from a local agent. And supporting small agencies is still important in West Palm Beach.

After completing this quick form, the coverage information is immediately sent to participating agents in West Palm Beach that can give you free West Palm Beach auto insurance quotes for your insurance coverage. You don't have to do any legwork since price quotes are sent to you instantly. If you wish to compare rates from a particular provider, you would need to jump over to their website and submit a quote form there.

The type of auto insurance agent you choose is important

If you are wanting to purchase auto insurance from a good insurance agency, you should know the different types of agents and how they can quote your rates. Auto insurance agents in West Palm Beach are categorized either exclusive or independent agents depending on their company appointments. Both types can provide auto insurance policies, but it's good to learn the subtle differences because it may have an impact on the selection process.

Independent Auto Insurance Agencies or Brokers

Agents that choose to be independent can sell policies from many different companies and that enables them to quote your coverage through many different auto insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, they can switch companies in-house and the insured can keep the same agent.

When comparing auto insurance prices, it's a good idea to get rate quotes from multiple independent agents in order to have the best price comparison. Most also write with small regional insurance companies that many times have cheaper rates.

Exclusive Agents

Agents of this type normally can only provide a single company's rates such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on their company's products and that can be a competitive advantage. Some insured continue to buy from the same agent for years mostly because of high brand loyalty rather than low rates.

Picking the best insurance agency requires more thought than just the price. The answers to these questions are important, too.

Lower rates by being persistent

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, policy non-renewal and lack of trust in their agent. It doesn't matter why you want to switch switching companies is not as difficult as it may seem.

Some insurance companies may not have the ability to get quotes online and most of the time these small insurance companies only sell through local independent agents. Affordable auto insurance in West Palm Beach is available both online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from.

When trying to cut insurance costs, it's not a good idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn't have enough coverage. Your objective should be to buy a smart amount of coverage at the best price, but don't skip important coverages to save money.

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