Yes, everyone in town knows that Money Magazine in 2008 ranked Weston as the best place to live in Florida -- and one of the best cities in the US. This ultra-planned community managed to thrive through the Great Recession of 2008 to 2010 and the population is diverse -- Cubans, Colombians, Venezuelans, and citizens from practically every walk of life share the community pride. However, living here is not riskless -- no matter how well the Cypress Bay High Schoolers perform on their SATs and how beautiful Windmill Ranch looks in photographs.
You seek Weston insurance quotes to simplify your insurance policy scheme, so that you get enough coverage (and the right coverage) but avoid paying excess or paying for inappropriate or the wrong kind of insurance. This article can introduce you to cool methods to deploy to lower your rates; and perhaps more importantly, it can teach you a new mentality about insurance shopping and connect you with a time-tested source for Weston insurance quotes.
The Blessing and Curse of Florida Auto and Homeowners Insurance
It seems like every other year Southern Florida gets slammed by some near cataclysmic natural disaster. From hurricanes blowing in off the Gulf to residue from the 2010 Gulf oil spill, Westonians must contend with a seemingly unceasing onslaught of bad surprises. And Weston insurance providers don't like surprises. When you look at statistics relevant to your Weston insurance quotes, you can see just how much they don't like surprises, in fact.
In 2007, according to the National Association of Insurance Commissioners, Floridians paid $1,043 for their auto coverage and $1,534 for their homeowner's coverage. These numbers may not make much of an impact in a vacuum. So consider this: the US average for auto in 2007 was $795, and $822 for homeowner's policies (HO-3 packages). When you look at the numbers for the cheapest states for homeowners and auto (Idaho for auto -- $518; Idaho for homeowners -- $422), you begin to get a sense of just how scared insurers are of protecting Floridian assets. In essence, one benefit to living in Weston is that the area is relatively new, so chances are your house has lots of excellent weatherproofing features, and thus you theoretically should be able to qualify for better rates than FL averages.
Irrespective of these numbers, what can you do personally to get your Weston insurance rates down? The most common solution is to source discounts. For instance, try to raise your deductible to get lower premiums, search for good student and low claims discounts on your auto, improve home security to lower rates, and so forth. But don't stop at discount hunting.
Think also about coverage that you don't have that you should have. For instance, consider getting more bodily injury and property damage coverage than the law requires. Numbers like $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage may make a lot more sense than the Florida minimums, which call for $10,000 bodily injury per person, $20,000 bodily injury per accident, and $10,000 property damage. After all, if you cause an accident, and you need to call on your insurance to pay for liability costs, do you really think $20,000 is going to keep you very safe in today's super-litigious environment?
Sourcing Weston Insurance Quotes Today
One final tip: To find your best rates, shop around to get a sense of what's out there. Your chances of "lucking into" an optimal are low. To that end, trust NetQuote to deliver 5+ insurance quotes for free. Fill out our online form -- it will literally only take you minutes to fill out -- and use the info to save hundreds of dollars annually on your premiums. NetQuote can also introduce you to local insurance agents who can help you tailor your policies.