Auto Insurance

Marriage and Car Insurance: Should You Bundle Policies?

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You just said “I do,” and you and your spouse have now entered the state of wedded bliss. As part of setting up house, a review of your individual car insurance policies, as well as other types of coverage, may save you a significant amount on insurance premiums. As your independent insurance agent serving the Pembroke Pines, FL area, we would enjoy the opportunity to meet with you and review your policies. In fact, by bundling car insurance for both spouses, we may be able to find you greater coverage at a better price.

Many of the major insurance underwriters price their premiums to target a specific sector of the market. For example, they will price homeowner’s insurance to attract clients who need car insurance, life insurance or other types of policies. While you may find significant savings on premiums with direct comparisons on single-line insurance policies, the large underwriters want you to carry multiple lines of insurance with them for many years to come. This allows them to keep prices competitive while giving you the assurance that you will not have to shop around every six months.

To do this, insurance companies frequently offer greater coverage and better premium prices to clients who bundle all of their insurance together rather that purchasing separate lines for just a car or house.

Give us a call today, and we will assist you with clear comparisons between multi-line policies from the top insurance companies. We offer a handy online tool for comparison shopping with real-time quotes, and we offer personalized service that helps you find the appropriate coverage for your individual needs. If you are in the 33024 zip code, we serve the Pembroke Pines, FL  and the surrounding areas. So contact us today!

Types of Auto Insurance Available in Lake Lucerne, FL

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Drivers in Lake Lucerne, FL who are also smart consumers, should always try to buy the right type and right amount of auto insurance. You do not want to be under-insured, but you also do not want to be over-insured. Finding the happy medium between too little and too much insurance is the best way to get the coverage you need and not pay more than you need to pay.

In the state of Florida, you are required to carry a minimum of $10,000 in bodily injury liability (BIL) insurance and $10,000 in personal injury protection (PIP). Other types of insurance that you might want, but that are not mandatory, include comprehensive, collision, uninsured motorist, roadside service, towing, and rental car reimbursement.

While there may be a small number of instances when all you really need is the state minimum coverage, it is normally prudent to have a more robust auto policy. If you have a 1995 car worth $500 and almost no other assets, the bare minimum coverage may be all that you need. Most people have cars worth substantially more money and other assets, like a house or money in the bank, that they need to protect.

If you are financing a new car, your lender will insist that you have an auto insurance policy that includes comprehensive and collision. They probably will also want you to choose a reasonable deductible like $250 or $500. If you paid cash for your car and it is worth a substantial amount of money, buying a policy with collision and comprehensive coverage is a no-brainer.

Of course you will pay more when you buy a policy that has higher coverage limits and protects you against more risks. However, if you use an independent agent from McCormick Insurance who can get and compare quotes from a number of different insurance companies, it is quite possible to get very affordable rates on the type of car insurance you need.

Affordable Car Insurance Rates Miramar, FL

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Before you get in your car and head to the beach, you better be sure that you have the right type and amount of insurance for your car. While there is less traffic in Miramar Florida, than in nearby Miami, accidents, vandalism, and car thefts still occur in this Southwest Broward County city.

Florida is a no-fault state and you are required to carry a minimum of $10,000 in property damage liability coverage and $10,000 in personal injury protection. Most people carry more than the minimum so that they will be better covered if they suffer a more extensive loss. If you get a bare-bones policy with minimum coverage, it may help pay your medical bills, but it will not pay for damage to your car.

If you want or need auto insurance that includes comprehensive and collision coverage, the cost of such a policy can be more than you want to spend. Depending upon many factors such as your age, driving record, and type of car you drive, your car insurance rates can range from less than several hundreds of dollars per year to several thousands of dollars per year.

Finding affordable car insurance rates is always a goal, but it is especially important in an economy where so many people are living paycheck-to-paycheck. Why pay more than you have to pay?

While your personal driving risk profile plays a key role in determining the rates you will have to pay, it is equally important to get quotes from a number of different insurance companies. You may get lucky and find the most affordable rates by just picking out and calling an auto insurance company that has a prominent display ad in the Yellow Pages. A more reliable way to get the most affordable rates is to visit our local independent agency, have us get quotes, and find you the lowest rates in town.