If you're searching for lower-priced insurance on the web, do you get frustrated by the crazy number of auto insurance choices available to you? Drivers have such a large number of options that it can easily become a lot of work to find better premium rates. If you live there, you know that Pembroke Pines has lots to offer, but budgeting for expensive auto insurance makes it impossible to maintain proper levels of coverage.

Regrettably, nearly 70% of drivers kept their coverage with the same auto insurance company for at least four years, and nearly 40% of drivers have never shopped around. Consumers in Pembroke Pines could save nearly $1,100 every year, but they don't know the big savings they would realize if they switched to a cheaper policy.

Consumers need to get comparison quotes on a regular basis because insurance prices change quite often. Despite the fact that you may have had the lowest price on auto insurance six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about auto insurance because you're about to find out the easiest way to eliminate unnecessary coverages and save money on auto insurance.

Locating the best rates in Pembroke Pines is much easier if you have a good place to start. If you are paying for car insurance now, you will most likely be able to buy cheaper insurance using the concepts you're about to learn. Nevertheless, Florida consumers can benefit by having an understanding of how big insurance companies determine prices and take advantage of how the system works.

To find cheap quotes, there are a couple of ways to obtain and compare prices from different companies. The easiest way by far to do a complete rate comparison consists of obtaining rate quotes online.

Keep in mind that making a lot of price comparisons gives you a better chance of getting better pricing. Some regional insurers cannot provide price estimates online, so you also need to get price estimates from the smaller companies as well.

The companies shown below are our best choices to provide quotes in Pembroke Pines, FL. To find cheaper auto insurance in Florida, we suggest you visit two to three different companies to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Pembroke Pines
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $1,300 $650 $108
Dodge Ram Crew Cab Sport 4WD $1,482 $741 $124
Ford Edge Sport 2WD $1,136 $568 $95
Ford Escape XLS 4WD $1,206 $603 $101
Ford F-150 XLT Crew Cab 2WD $1,330 $665 $111
Ford Focus SE 4-Dr Sedan $1,268 $634 $106
Ford Fusion SEL 4-Dr Sedan $1,582 $791 $132
Honda Accord LX 4-Dr Sedan $1,512 $756 $126
Honda CR-V EX 4WD $992 $496 $83
Honda Civic EX 4-Dr Sedan $1,344 $672 $112
Hyundai Elantra Blue 4-Dr Sedan $1,022 $511 $85
Hyundai Sonata Limited 4-Dr Sedan $1,484 $742 $124
Jeep Grand Cherokee Laredo 2WD $1,314 $657 $110
Mazda 3 S Grand Touring 4-Dr Hatchback $1,250 $625 $104
Nissan Altima 2.5 S 2-Dr Coupe $1,268 $634 $106
Nissan Rogue S 2WD $1,402 $701 $117
Toyota Camry SE $1,168 $584 $97
Toyota Corolla XRS $1,402 $701 $117
Volkswagen Jetta LE 4-Dr Sedan $1,626 $813 $136
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific location which can impact insurance rates substantially.

Higher deductibles lower rates

The example below illustrates how your deductible choice and can raise or lower Toyota Camry annual premium costs for each different age category. The prices are based on a single female driver, full coverage, and no discounts are applied.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Irresponsible driving raises your rates

The chart below illustrates how speeding tickets and accident claims can impact Hyundai Sonata car insurance rates for different age groups. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

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

Cost difference between full coverage and liability

The illustration below illustrates the comparison of Chevrolet Malibu car insurance costs when comparing full coverage to state minimum liability only. The costs are based on no claims or driving citations, $250 deductibles, single male driver, and no discounts are applied to the premium.

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

Should you be buying full coverage?

There isn't a written rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Chevrolet Malibu claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your deductible. If premiums are more than $200 annually for full coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Why you need insurance

Despite the high cost, insuring your vehicle may be mandatory for several reasons.

The benefits of buying insurance definitely exceed the price paid, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so it's important to compare rates at every renewal to be sure current rates are still competitive.

Do you really save 40% when you switch?

Popular auto insurance providers such as State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all seem to seem to make the promise of big savings if you just switch your policy. That's great but how can every company save you money on auto insurance? You have to listen carefully.

All companies quote their cheapest rates for the type of insured that will add to their bottom line. For instance, this type of risk profile might be over the age of 45, carries high limits, and insures a new vehicle. A propective insured that hits that "sweet spot" will get very good Pembroke Pines car insurance rates and have a good chance to cut their auto insurance rates if they switch.

Drivers who are not a match for these standards will probably be forced to pay higher rates which translates to business not being written. If you listen closely, the ads state "people that switch" not "everybody who quotes" can save as much as they claim. This is how insurance companies can confidently advertise the savings. This really emphasizes why you really should get price quotes at each policy renewal. It's impossible to know with any certainty which company will give you lower car insurance rates than your current company.

Car insurance policy discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be triggered automatically when you get a quote, but some need to be asked about prior to getting the savings.Save money with discounts

It's important to note that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous.

Large car insurance companies and their possible discounts are shown below.

If you need lower rates, check with each company which discounts can lower your rates. A few discounts might not apply in every state. If you would like to view companies who offer discounts in Pembroke Pines, follow this link.

Buying car insurance from Pembroke Pines car insurance agents

A lot of people prefer to sit down with an agent and that is recommended in a lot of cases One of the great benefits of getting online price quotes is that you can find cheap car insurance quotes but also keep your business local.

Insurance agency in Pembroke PinesTo find an agent, once you fill out this short form, the coverage information is emailed to companies in Pembroke Pines who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies because prices are sent to you instantly. You can find the lowest rates without having to waste a lot of time. If you have a need to get a price quote from a particular provider, just visit that company's website and give them your coverage information.

Choosing an insurer requires you to look at more than just the price. Get answers to these questions too.

Auto insurance claim information

Are you driving a vehicle that ranks well for claims? The statistics below show the worst and best vehicles for the probability of having large claims.

Vehicle Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Bentley Continental GTC
Volvo V60 BMW M6
Nissan Leaf Bentley Continental GT
Ford F-350 Maserati Granturismo
Infiniti QX50 Audi S7
Chevy Silverado 2500 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Chevrolet Sonic
Audi A4 Allroad Mitsubishi Lancer
Ford F-350 SuperCrew Nissan Versa
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 2500 Chrysler 200
Land Rover Range Rover Sport Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Chevrolet Impala
Audi A6 Chevrolet Sonic
Volvo XC60 Chrysler 200
Subaru Forester Mitsubishi Mirage
Subaru Outback Dodge Charger
Mercedes-Benz SL Class Kia Rio

Statistics from IIHS.org for 2013-2015 Model Years

Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Bentley Continental Flying Spur
Ford F-250 SuperCab BMW M6
Nissan Xterra Maserati Ghibli
Ford Edge Maserati Granturismo
GMC Canyon Ferrari 458
Mini Cooper Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

One last thing about your coverage

Consumers switch companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, not issuing a premium refund and an unsatisfactory settlement offer. It doesn't matter why you want to switch finding the right auto insurance provider is easier than you think.

A few companies may not have online quoting and these smaller companies only sell coverage through independent agencies. Cheaper auto insurance in Pembroke Pines can be sourced both online as well as from independent agents in Pembroke Pines, and you should compare rates from both to have the best rate selection.

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. In many cases, someone sacrificed physical damage coverage only to find out that the savings was not a smart move. Your goal is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Much more information about auto insurance in Florida can be found on the following sites: