Coral Gables Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance companies in Coral Gables? Many other drivers are as well. There are so many choices that it can turn into a ton of work to locate the lowest price.

It's important to take a look at other company's rates every six months since insurance rates are constantly changing. Just because you found the lowest price two years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate the quickest way to reduce your cost while improving coverage.

Don't pay full price with these discounts

Companies don't always advertise all their discounts very clearly, so we researched some of the best known as well as the least known savings tricks you should be using.

Senior Discount - Mature drivers may receive better auto insurance rates.
Memberships - Affiliation with a qualifying organization is a good way to get lower rates on auto insurance.
Multiple Cars - Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
Safety Course Discount - Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren't that generous.

To see a list of companies with discount auto insurance rates in Florida, click here to view.

How to Compare Auto Insurance in Coral Gables, Florida

Performing a rate comparison can take time and effort if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Coral Gables, or you could save time and use the web to get prices fast.

Many insurance companies enroll in a system that enables customers to send in one quote, and each company then gives them pricing based on that information. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is you don't know exactly which carriers to receive prices from. If you prefer to choose individual companies to receive pricing from, we put together a list of auto insurance companies in Florida. Click here to view list.

It's up to you which method you use, but ensure you are comparing identical quote information for every quote you compare. If the quotes have mixed coverages it's impossible to determine the best price in Coral Gables. Quoting even small variations in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find a better price.

Coral Gables Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Mature drivers pay less - Teenage drivers in Florida have a tendency to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
Liability coverage protects you - Your policy's liability coverage provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Proper usage rating affects rates - The higher the mileage driven in a year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
Do you work long hours in a high stress job? - Jobs such as judges, business owners and financial analysts tend to have higher average rates because of high stress levels and long work hours. Conversely, jobs such as actors, engineers and retirees receive lower rates.
Males pay more for insurance - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are worse drivers. Men and women cause accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all seem to make an identical promise about savings if you change to their company. How does each company say the same thing?

Different companies are able to cherry pick for the driver that is profitable for them. For instance, a desirable insured might be profiled as over the age of 50, has no driving citations, and chooses high deductibles. A propective insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices and ends up with business not being written. The ads state "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings. Because of the profiling, drivers must compare many company's rates. It's not possible to predict which auto insurance company will give you the biggest savings.

Do the work, save more money

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. There are many occasions where someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

Cheap auto insurance can be sourced on the web and also from your neighborhood Coral Gables agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

People leave their current company for a number of reasons such as not issuing a premium refund, questionable increases in premium, lack of trust in their agent or delays in paying claims. Regardless of your reason, choosing a new insurance company is actually quite simple.

Even more information is located at the Florida Office of Insurance Regulation website. Florida drivers can read enforcement actions against agents and companies, find out which companies have the most complaints, and report car insurance fraud.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Coral Gables.