Named after its founder Morris Cooper, Cooper City was created by the Special Act of the Florida Legislature on june 20, 1959. Known as a great place to raise a family, Cooper City offers a small town feel with the luxury of its proximity to a major metropolitan area and world class beaches. Like much of this area of South Florida, Cooper City really started to take hold in the late 1950’s and early 1960’s, with homes going up that at the time would cost anywhere between $11,900 – $15,900. As of today, homes in Cooper City average about $300,000 in value. If your family was lucky enough to have gotten in in 1959 then that turned out to be quite a savvy investment.
Managing cost on an auto insurance policy is something that all customers are always looking to do. In Cooper City, auto insurance premiums tend to hang around the $240 per month area which although on par with the rest of South Florida, is still higher than most other areas of the state. You need to make sure that you are protecting your assets while simultaneously making sure your premium doesn’t become too costly. This type of balance isn’t always easy to obtain but with a little patience and a knowledgeable agent that you trust, you can be sure you are getting what you need without breaking the bank.
Many ways that you can get lower auto insurance in Cooper City are things that are not frequently thought of or just seem downright daunting. With that in mind, Advantage Plus prides itself on taking on that burden for you. Here are a few examples of how you can do your part to protect your wallet and make sure you have the best rate possible:
Shop around – Listen, we understand that everyone has their own life and that work, commitments, family etc can eat up a lot of time so who has or wants to use the time to search around for insurance rates? As your agent, we take this process out of your hands and handle it for you. We have partnered with NINE different auto insurance providers to provide you the best options when choosing the policy that’s right for you. Many of the ones we have relationships with have ‘A’ ratings on A.M. Best if you’re looking for the best possible service and we also have other options for those of you with a firm budget. Whatever your needs may be, we’ve got you covered.
Raise your deductibles – If you are okay with coming out of pocket a little more should an incident arise, raising your deductibles will ultimately lower how much you pay for your premium and is a fairly common way people adjust their premium. Be careful though and be sure that the amount that you select for your deductible is manageable for you in the event that something should happen. Remember, this is the amount you will need to come out of pocket in the event of a loss so you don’t want your future self mad at your past self.
Pay in advance – I know that not everyone is in a position to do this but you can potentially save hundreds of dollars by paying your premium in advance. Companies will not only give you a discount but they also eliminate any fees that they assess on their policies leaving you with a bit of a thicker wallet. If you are not in a position to do that, at very minimum set up your monthly installments on autopay as that will net you a discount with most companies.
Telematics – This is not an option for every provider, but some do offer telematics tracking through either a device install or an application that you download on your phone. This allows the company to track your driving habits to get a more personalized view of you specifically. These will typically earn you a discount to a varying degree upon the inception of the policy. In doing this you earn the opportunity to either earn more discounts with safe driving or potentially lose discounts if your driving habits are unfavorable in the eyes of the company. It’s important to be honest with yourself because your habits will ultimately determine how your rate develops over not only the life of your current policy but also for the ones you have going forward.
What does this mean for you? It means give us a call and let our auto insurance agents in Cooper City do the heavy lifting for you. Here at Advantage Plus Insurance, we have licensed professionals to help guide you through every step of the auto insurance buying process. From hearing and understanding your needs to assessing the best options for you in terms of coverage and cost, we’re with you every step of the way. We realize the best thing we can provide for you is trust which is why you’re treated as part of our family. All of the stress you would normally associate with this process goes out the window as we strive to provide the smoothest experience in your area.
So what are you waiting for? Give us a call today and become part of the Advantage Plus family!