Comparing the Cheapest West Palm Beach Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You are in the same boat as many other Florida drivers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and consumers find it hard to sift through the bull and find the best price available.

Compare West Palm Beach Auto Insurance Costs

There are several ways of comparing rate quotes and find the best price. The best method to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

The recommended way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form keeps you from doing repetitive form submissions for each company. In just a few minutes this one form will return price quotes from multiple companies.
A less efficient way to compare rate quotes consists of visiting each individual company website and complete a new quote form. For instance, we'll assume you want rates from , and . You would have to go to every website to enter your coverage information, which is why the first method is quicker. To view a list of companies in West Palm Beach, click here.
The most time-consuming way of comparing rate quotes is to spend time driving to and from local West Palm Beach insurance agencies. Buying insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. It is possible to get the lowest quotes online and still use a local agent and we'll touch on that later.

Whichever method you choose, ensure you're using exactly the same deductibles and coverage limits on every quote. If you are comparing different values for each quote then you won't be able to make a fair comparison in West Palm Beach. Slightly different coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding better pricing.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but a few need to be specifically requested before they will apply.

Memberships - Affiliation with a civic or occupational organization may earn a discount when buying auto insurance.
No Accidents - Claim-free drivers can save substantially when compared with bad drivers.
Drivers Ed for Students - Have your child enroll in driver's education in high school.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.
More Vehicles More Savings - Insuring multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.

A little note about advertised discounts, some credits don't apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurers with the best auto insurance discounts in West Palm Beach, click here.

Additional information can be found on the website for the Florida Office of Insurance Regulation found here. Florida drivers can find out which companies have the most complaints, read industry bulletins, download brochures, and view a list of available companies.