If you’re a Clint Eastwood, Burt Lancaster or John Wayne fan, then we can assume that Davie, FL has an appeal to you. That might even be the reason you chose to live there. It’s a town with a “Western” reputation and a lot of Wild West type of architecture. The ode to the Old West is accentuated by a significant horse-owning population that tends to “spur” a unique feeling that you really don’t get in very many other places in Florida. If you were lucky enough to reside there in Davie in the 1960’s, there was even a western theme park named Pioneer City that was short-lived. But despite the charm that this town may hold, like most areas in South Florida, auto insurance premiums can be a bit expensive.
Managing cost on an auto insurance policy is something that all customers are always looking to do. In Davie, the average person is paying around $220 per month for auto insurance. Coverage levels do vary but 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 Davie 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 auto insurance agent in Davie, 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 – This is one of the more common ways to reduce auto insurance premiums in Davie so 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. Make sure you are truthful with yourself though and be sure that the amount that you select for your deductible is manageable for you in the event that something should happen.
Pay in advance – This is very simple and can result in significant savings if you have the ability to pay your premium in full at the beginning of the policy term. Companies will not only give you a discount but they also eliminate any fees that they assess on their policies and the savings can amount to hundreds of dollars in some cases. If you are not in a position to do that, at very minimum set up your monthly installments on autopay as that is the most common discount people get and also makes it so you don’t have to worry about missing a payment and having a potential lapse in coverage.
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. This gives you 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 one of our auto insurance agents in Davie do the heavy lifting for you. Here at Advantage Plus Insurance, we have licensed professionals to help guide you through every step of the 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!