Hialeah Auto Insurance Buying Tips You Aren’t Supposed to Know

Are you overwhelmed by the dozens of auto insurance companies in Hialeah? Many other consumers are too. You have so many options available that it can turn into a lot of work to find the perfect company for you.

You should make it a habit to check auto insurance prices periodically since insurance rates change regularly. Even if you got the best price a few years ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to learn the best way to get good coverage at a lower rate.

If you have a current auto insurance policy or are just looking to switch companies, you can learn to find the best rates and still get good coverage. Finding the best coverage in Hialeah is not that difficult. Florida vehicle owners only need to know the most effective way to compare price quotes online.

Auto Insurance Prices in Hialeah, FL

Effectively comparing auto insurance prices is a ton of work if you don’t understand the most efficient way to do it. You could waste a few hours driving to insurance agencies in Hialeah, or you could save time and use the web to quickly compare rates.

The majority of car insurance companies enroll in a system that enables customers to submit one quote, and at least one company returns a rated price determined by their information. This prevents consumers from doing repetitive form submissions to each company.

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

The only drawback to using this type of form is you cannot specify which providers to get pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of auto insurance companies in Florida. Click to view list.

Whichever way you use, make darn sure you compare the exact same coverage information with every price quote. If you compare different deductibles it’s impossible to determine the lowest rate in Hialeah.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-105.jpg" alt="lower rates in Hialeah FL” />

Learn How to Lower your Rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Understanding what determines base rates enables informed choices that could result in big savings.

• Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can expect higher rates. Car insurance companies in Florida give discounts to people who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
• Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
• Your spouse saves you money – Getting married helps lower the price when buying auto insurance. Marriage translates into being more mature it has been statistically shown that married couples file fewer claims.
• Safer occupants lowers premiums – Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates.
• Rural vs Urban Areas – Living in a rural area can be a good thing when insuring your vehicles. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times can result in more accidents.
• Never let your coverage lapse – Allowing your coverage to lapse will be a fast way to bump up your auto insurance costs. Not only will you pay more, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with the Florida motor vehicle department.
• Younger drivers pay higher rates – Teenage drivers in Florida are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. Having to add a teen driver onto a policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and get fewer tickets.
• Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rates will be. Most companies price each vehicle’s coverage determined by how the vehicle is used. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to cut the cost considerably. Most are applied when you purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you don’t get every credit you deserve, you’re paying more than you need to.

• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
• Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
• Drive Less and Save – Fewer annual miles could qualify for discounted rates on garaged vehicles.
• No Accidents – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
• Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
• Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
• Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
• Club Memberships – Being a member of a professional or civic organization could trigger savings on your policy.

It’s important to note that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Hialeah, click this link.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions may help highlight if you might need professional guidance.

• Am I covered when pulling a rental trailer?
• What if I don’t agree with a claim settlement offer?
• How many claims can I have before being cancelled?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I wreck a rental car?
• Is there coverage for injuries to my pets?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

The best insurance company isn’t always the cheapest

As you prepare to switch companies, never buy less coverage just to save a little money. In too many instances, drivers have reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

People leave their current company for any number of reasons including high prices, lack of trust in their agent, questionable increases in premium or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Budget-conscious auto insurance can be found both online as well as from independent agents in Hialeah, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

Much more information about auto insurance in Florida can be found on the Florida Office of Insurance Regulation website located here. Florida consumers can view agent and company licensing information, read enforcement actions against agents and companies, and read state legal mandates and laws.