Consumers who are new to price shopping insurance online can find shopping for the cheapest Wellington car insurance quite difficult.
It is always a good idea to price shop coverage yearly because prices trend upward over time. Just because you had the lowest rates a year ago there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate one of the best ways to properly buy coverages while reducing your premium.
Lots of discounts mean lots of savings
Car insurance companies do not list all available discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
- 55 and Retired – If you’re over the age of 55, you may receive reduced rates.
- New Vehicle Savings – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Auto/Home Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
- Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance.
- Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Distant Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
- Fewer Miles Equal More Savings – Fewer annual miles could qualify for discounted rates on garaged vehicles.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
Drivers should understand that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous.
For a list of insurance companies offering car insurance discounts in Wellington, click here.
Comprehensive Car Insurance Comparison in Wellington, Florida
Finding lower Wellington car insurance rates is surprisingly easy. The only thing you need to do is spend a few minutes on the computer to compare quotes from different insurance companies. This can be done using a couple different methods.
- The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method keeps you from doing repetitive form submissions for each company. One simple form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.
- A slightly less efficient method to shop for car insurance online requires a trip to each individual company website to complete a price quote. For instance, let’s assume you want to compare Nationwide, Esurance and Travelers. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.
For a handy list of car insurance company links in Wellington, click here.
- The least efficient way to compare rates to local Wellington insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. You can, however, compare online quotes but buy from a local insurance agent and we’ll touch on that later.
Whichever way you use, make sure you use the exact same coverage limits with each company. If you compare mixed coverages then you won’t be able to determine the lowest rate in Wellington.
Do I need special coverages?
When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether you could use an agent’s help.
- Is there coverage for injuries to my pets?
- Does my policy cover me when driving someone else’s vehicle?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Should I buy additional glass protection?
- What if I don’t agree with a claim settlement offer?
- Should I drop comprehensive coverage on older vehicles?
If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.
Neighborhood agents for car insurance
A small number of people would prefer to get advice from a local agent and there is nothing wrong with that. Licensed agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.
To find an agent, once you fill out this form (opens in new window), your insurance data is submitted to agents in your area who will battle for your coverage. There is no need to drive around due to the fact that quote results will go to the email address you provide.
Choosing an insurance company shouldn’t rely on just the premium amount. Some important questions to ask are:
- Which insurance companies are they affiliated with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What insurance companies do they recommend if they are an independent agent?
- Who is covered by the car insurance policy?
- Will your rates increase after a single accident?
Shown below are Wellington insurance companies willing to provide price quote information.
- State Farm Insurance – 7665 Lake Worth Rd, Wellington, FL 33467 – (561) 732-2400
- Cheapest Health Insurance – 1300 Corporate Center Way, Wellington, FL 33414 – (561) 333-0911
- Allstate Insurance – 12300 Southshore Blvd # 216, Wellington, FL 33414 – (561) 333-7200
- Celedinas Agency – 11924 W Forest Hill Blvd # 36a, Wellington, FL 33414 – (561) 793-5000
- Philip Rossi Insurance Inc – 11924 W Forest Hill Blvd # 1, Wellington, FL 33414 – (561) 793-7999
To view a complete directory of licensed insurance agents in Wellington, please go to this site.
Once you have satisfactory answers for all questions you ask and an acceptable price quote, you have narrowed it down to an insurer that meets your needs to service your policy. But keep in mind once you purchase a policy you can cancel coverage whenever you wish so never assume you’re contractually obligated to any particular company for the full term.
Car insurance coverages 101
Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.
Because many people only carry the minimum required liability limits (10/20/10 in Florida), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Collision – Collision insurance covers damage to your vehicle resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like damaging your car on a curb, crashing into a building, hitting a mailbox, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.
Coverage for liability – Liability insurance will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers things like pain and suffering, loss of income, funeral expenses, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible. Florida state minimum liability requirements are 10,000/20,000/10,000 but drivers should carry better liability coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses for things like X-ray expenses, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as hitting a deer, hitting a bird, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
The best insurance company isn’t always the cheapest
As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an insured cut collision coverage and learned later that it was a big mistake. Your focus should be to get the best coverage possible at the best price.
Insureds leave their current company for a variety of reasons including poor customer service, questionable increases in premium, policy non-renewal or being labeled a high risk driver. No matter why you want to switch, choosing a new company is less work than it seems.
Cheap car insurance is possible from both online companies and with local Wellington insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
Find out more about car insurance
Additional detailed information can be read at the Florida Office of Insurance Regulation website. Florida drivers can read consumer alerts, report car insurance fraud, learn about insurance regulations, and find disaster information.