Comparison Shop the Best Car Insurance Rates From Agencies in Coral Springs

To find a good insurance agent in Coral Springs, Florida, we recommend you begin your search by getting online comparison quotes instead of calling around. Most likely you’re wanting a highly trained agent, but you also want affordable coverage.

With companies like State Farm, Allstate and many independent agents having offices in Coral Springs, consumers have a hard time knowing which will have the lowest rates and best service. Thankfully, consumers can use online quoting to assemble a group of agencies to choose from.

Local Coral Springs car insurance agents

Professional agents can help determine the best coverages and help submit paperwork. One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still choose a local agent. Supporting local businesses is definitely important in Coral Springs.

To help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to local insurance agents in Coral Springs who will give you bids to get your business. You never need to visit any agencies since price quotes are sent immediately to your email address. How cool is that?!

Different types of Coral Springs insurance agents

When finding a reputable insurance agent or broker, you must know there are a couple different agency structures from which to choose. Agencies in Coral Springs are either captive or independent. Either one can properly insure your vehicles, but it’s worth learning the differences because it can impact the selection process.

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent. When shopping rates, you should always include at a minimum one independent agency to have the most options to choose from.

The following is a short list of independent agents in Coral Springs who may be able to give you competitive price quotes.

Susan Siflinger Insurance – 2141 N University Dr # 388 – Coral Springs, FL 33071 – (954) 340-1491
Terry Davis Insurance – 2801 NW 88th Ter – Coral Springs, FL 33065 – (954) 752-5599
Steven A Roth Agency – – Coral Springs, FL 33065 – (954) 344-8786
ASI Agency Inc – 3300 N University Dr # 408 – Coral Springs, FL 33065 – (954) 344-7900
Roth Agency Inc – – Coral Springs, FL 33065 – (954) 344-8786

Captive Insurance Agents

This type of agents can only place business with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captives are well schooled on their products and sales techniques which can be an advantage.

The following is a short list of captive agents in Coral Springs who can help you get price quote information.

Allstate Insurance – 5768 Wiles Rd – Coral Springs, FL 33067 – (954) 340-1212

To view a complete directory of captive insurance agencies in Coral Springs, visit this link.

Picking an insurance agent shouldn’t rely on just a low price. Some important questions to ask are:

  • What is the agency’s Better Business Bureau rating?
  • Does the agency support the community they serve?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Who are their largest clients?
  • Which company do they place the most coverage with?
  • Which members of your family are coverage by the policy?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • What will you get paid if your car is a total loss? How is that amount determined?

Once you have received positive feedback to all your questions and an acceptable price quote, you have narrowed it down to a car insurance agent that can provide car insurance coverage.

When might I need an agent?

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Should I buy only the required Florida minimum liability coverage?
  • Why am I required to buy high-risk coverage?
  • How high should my uninsured/underinsured coverage be in Florida?
  • Does my insurance cover a custom paint job?
  • How do I file an SR-22 for a DUI in Florida?
  • When do I need to add a new car to my policy?
  • Who is covered by my policy?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent.

Alternatives to buying locally

Insurance agencies can be invaluable at times, but you can also find affordable Florida auto insurance from online companies direct. Certain companies, such as Farmers Insurance and State Farm, who have local agents in Coral Springs also allow consumers to buy a policy online, and that can save time if you want to do it yourself.

If you’re anxious about choosing your own coverages when buying direct, don’t be too concerned. Companies all have client service departments for getting the best coverage. Additionally, most companies also offer help pages and frequently asked questions so buying online is not difficult.

Can you save money buying online? That question is hard to answer since there are many things that determine your policy premium. Some people think that shopping direct saves the commission normally paid to an agent. For most companies selling online, however, there are high advertising and marketing costs and that impacts the rates consumers pay.

Auto insurance in Coral Springs FL

Do the work, save more money

Lower-priced car insurance is available both online in addition to many Coral Springs insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide online price quotes and these smaller companies work with independent agents.

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that it was a big error on their part. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Read more about Florida car insurance

More information is available on the website for the Florida Office of Insurance Regulation found here. Florida drivers can read consumer alerts, read state legal mandates and laws, and learn about insurance regulations.