Shopping for and parsing Coral Springs insurance options can frustrate the best of us. We would much rather chill out at Mullins Park, check out the latest athletic action at the Sportsplex, or take in a production at the Coral Springs Center for the Arts than spend hours online collecting Coral Springs insurance quotes. Unfortunately, although the city itself has been lauded for its fiscal responsibility, the very fact that you live in Florida subjects you to potentially sky high insurance rates. Natural storms like Hurricane Wilma and manmade disasters like the 2010 Gulf oil spill scare insurers, causing them to hike up rates for Sunshine staters.
Indeed, average auto and homeowners rates in Florida are miles above average US rates. The key to getting the appropriate protection (without getting excess) is to research options and tailor your search. This article can help.
Exploring Coral Springs Insurance Quotes for Home and Auto
Homeowners — Floridian homeowners paid $1,534 on average for HO-3 homeowners insurance policies in 2007, according to the National Association of Insurance Commissioners (NAIC). That was far and away the highest rate in the US that year. (Consider that the average rate was $822 — more than $700 less. And Floridians paid nearly four times as much as Idaho homeowners, who only paid $422!) Obviously, if you live in Broward County, you have to deal with hurricane risks and other weather problems. But you need not be saddled by super high rates. Opt for a higher deductible, if possible. Install storm proofing and security features in your home. Choose the same carrier to insure your home and auto (multi-line discount). And talk to a live agent about how to tailor your coverage and lock into other discounts.
Auto — The NAIC found in 2007 that Floridians paid $1,043 for auto. Again, this was one of the highest rates in the nation — nearly $250 more than the average rate, $795. Looking at the numbers closer, we see that Florida drivers paid $116 for comprehensive, $289 for collision, and $719 for liability. Again, just with homeowners and auto, the average Floridian winds up paying more than $2,500! To drive those numbers down, take a defensive drivers course, install security and safety features in your car, search for discounts (e.g. good student, retiree, low mileage driver), and slowly but surely strive to improve your credit score.
Sourcing and Comparing Quality Coral Springs Insurance Options
In addition to highlighting ways to save on your rates, you will need real-time Coral Springs insurance quotes from carriers you know and trust. NetQuote can help. We have a free online service that allows you to gather at least five (maybe more) Coral Springs insurance quotes. It takes just minutes to fill out our form. We also provide detailed, free articles on-site to teach you how to interact more effectively with your agent and zero in on discount opportunities.