Your ability to get cheap car insurance in West Palm Beach has never been better or easier for West Palm Beach residents than it is right here with our Rapid Quote Partner Network that brings Florida residents some of the most affordable car insurance available online or offline.
By cutting out the middleman with our free quoting system we let the best discount online insurance companies compete for your business to solidify the best pricing for the coverage you’re looking for, including Florida Personal Injury Protection (PIP) coverage. Your job is to get 3 to 4 free quotes from our Rapid Quote system which only takes minutes and there is never any obligation to purchase. It’s easy, fast and extremely convenient and here are 8 more reasons that online quoting with our Rapid Quote Partner Network can save you dramatically on your cheap car insurance in West Palm Beach.
Cheap Car Insurance in West Palm Beach
While quoting your cheap car insurance in West Palm Beach with us is a great opportunity to save money, it’s important to know and understand how car insurance works in the State of Florida so you not only make sure you get good coverage at the best price, but also so you don’t get more car insurance than you need for you particular situation. By clicking on the link above you can get a quick review of the types of coverage available and how they impact your needs.
While it’s common for people to not get enough coverage to protect them adequately, people also can get extra coverage that may already be covered by health insurance or get collision coverage when the cost to repair their car in an accident may be more than the car is actually worth.
Fortunately, our online quoting process will guide you through the options available to you with the top tier insurance companies we work with. You can quote a basic package that meets your state requirements and layer on additional coverage types and amounts above the basic coverage.
Cheap Car Insurance in West Palm Beach-FL Requirements
It may not come as a surprise to you that all car insurance is regulated at the State level in every state and West Palm Beach Florida is no exception. Florida is a no-fault State as compared to at-fault States which approximately 77% of the States are. What it means is that when you have an accident in Florida, your insurance company will take responsibility for paying the injury claims whether you were at fault or not up to a certain limit outlined in your policy. This may seem contrary to logical thinking, but was done and is done in a number of States to limit the amount of lawsuits and claims that can come out of accidents, because you often lose some or all of your rights to sue under no-fault insurance states. Now understand that how this works can vary from state to state in no fault states.
Due to being a no-fault State, Florida state law requires Personal Injury Protection also known as PIP, plus Property Damage Liability coverage with a minimum amount of $10,000. This basic coverage package in Florida is often referred to as a PIP/PD. Personal Injury Protection (PIP) helps take car of what is termed “reasonable and necessary” medical related expenses that you or your passengers may incur. You can read more here about getting the best cheap PIP insurance when you’re quoting on our site for your Cheap Car Insurance in West Palm Beach.
You should also seriously consider getting uninsured or under insured motorist coverage. It’s not required in Florida, but it’s one of the least expensive and yet most beneficial types of coverage you could have. Even though in all of Florida is required, you would likely be shocked as to the amount of people that don’t have the coverage they need or any coverage at all for that matter. In fact, you likely know someone that has been in an accident with someone that didn’t have insurance. It ain’t fun!
Cheap Car Insurance in West Palm Beach-Sensible Ways to Save When Quoting
Since car insurance is quoted by zip code to determine the amount of insurance claims, theft and vandalism that occur in your area, it’s a good general rule that living in a more populated area will cost more than living in a rural area. More people equal more accidents, theft and damage claims.
When you’re quoting and looking at liability coverage for your policy, you should take into consideration the amount assets you have. It’s important because having a lot of personal assets when you are at fault in an accident any shrewd lawyer from the other party may go after your personal assets to cover all the other necessary bills. Depending on the level of liability coverage you have, your insurance may be adequate to handle it.
Consider dropping any extras. Some car insurance companies add extras that may not be necessary. An example of this may be emergency road side assistance, certain types of legal protection coverage and key replacement services to your policy and correspondingly to your premiums. If you feel these aren’t practical you should consider removing them from your policy and you may be able to reduce your car insurance premiums by a substantial amount.
Here’s something you rarely hear about as a means of saving money. If possible, pay for your annual car insurance premiums in one payment. Here’s why: When you make payments for your insurance on a monthly or quarterly basis, many insurance companies will charge an administration (or other) fee and potentially interest on the money that you owe as the balance. Read the fine print, because the interest rate is also likely to be much higher than the interest rate you may even be able get on a personal loan.
We’ve done an article on a whole bunch of additional ways to save on your car insurance at the link (10 more actually) and you need to consider every one of them. Getting the best price on car insurance can occur in many ways, but by getting 3 to 4 quotes with our Partner Network and following the savings guidelines we’ve outlined here, you’re going to get dramatic savings compared to many folks that never take the time to quote or learn about their options. Congratulations and we hope you enjoy the savings!