What is the Average Cost of Car Insurance in Pembroke Pines?

Pembroke Pines is about 22 miles north of Miami, in southwest Broward County. Its population is nearly 173,600, making it a small to midsize city. On average, it takes commuters in the city 31.6 minutes to get from home to work; this includes all workers 16 years of age and older. The National Insurance Crime Bureau (NICB) doesn’t include Pembroke Pines in its car theft statistics, but with its relative closeness to Miami, it is likely to experience similar theft numbers.

These two pieces of information are just a couple of factors that insurance companies might use to determine your insurance premium costs. They will also use personal driving history, age, gender, etc. in order to make sure that they take as little risk in insuring you as possible. Insurers also consider things such as the make, model and year of your car when they give you an annual premium amount. If you drive a plain Jane sedan, you pay much less than if you were to own a Porsche.

How Much Car Insurance Coverage Do I Need in Pembroke Pines

There are plenty of options when it comes to buying insurance coverage. There is a state required minimum in nearly every state in the US, but there is also collision coverage and comprehensive coverage. Yes, comprehensive coverage is quite a bit more, but you are purchasing financial protection for your vehicle and many people want more protection, not less.

As for the state minimum, you are required to hold at least some insurance. Specifically, you must have $10,000 of bodily injury liability and a minimum of $20,000 for bodily injury liability per accident in case there are multiple injuries. You must also hold at least $10,000 coverage for property damage liability.

However, don’t make the mistake of thinking that a state minimum policy will be everything you need. A hurricane hitting Florida may mean significant damage, which your insurance company will not pay to have repaired if you only hold minimum coverage.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Pembroke Pines by Insurer

Insurance rates are individualized to each vehicle and vehicle owner. This means that if you and a friend own the same make and model of vehicle, they may pay less annually than you depending on your age, a previous accident you were in, or another reason. Either way, you both need financial protection for your vehicles and going with the cheapest is not always the nest option. You get what you pay for, right? And you need to make sure that you are paying for insurance and solid customer service.

Use this expert guide to find the best auto insurance companies with the lowest rates.

Low Cost Auto Insurance for Bad Credit in Pembroke Pines

You can expect insurance companies in Florida to be interested in your credit rating when you go to them for a quote. This state is among the majority of states that allow insurance providers to use your credit rating when they assess their risk in providing you with insurance. Below are some of the best companies, even for those with poor credit.

This guide here can help you find the lowest cost car insurance companies near you.

What is the Difference Between Full Coverage and Liability?

What is Liability-Only?

Liability insurance covers the possible cost of damage you cause to others while driving. This could mean the cost of medical care for those injured in an accident or repair costs of the damage you have caused to other vehicles.

With liability insurance, there are 3 key numbers: injury coverage per person, coverage for total injury per accident, and property damage coverage per accident. Each state has different requirements for car insurance minimums. In a policy that has coverage for 15/30/25 means $15,000 per injured person, with a maximum of $30,000 for all the people who are injured in an accident, and $25,000 in coverage for property damage.

What Full Coverage Covers

While liability insurance covers other people and vehicles in an accident where you were the one considered at fault, full coverage insurance can also cover you and your vehicle as well. Full coverage includes two different types of coverage combined into one insurance plan; comprehensive insurance and collision.

Comprehensive coverage is for the damage of other vehicles that are outside of driving situations such as weather damage, fire, or theft.

Collision coverage is basically to pay for damage that you caused while driving such as an accident with another vehicle, hitting an object, or driving off the road.

The difference between collision and comprehensive is, if a tree were to fall on your car and damage it, comprehensive insurance would cover it, however, if you were driving and hit a tree causing damage to your car, then it would be covered by collision.

What are the Major Differences Between Full Coverage and Liability?

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in Florida by City

Additional cities in Florida you can check out.

How to Lower Your Insurance Rates Policy

Find additional ways to save on your Pembroke Pines car insurance premiums with these insurance discounts:

  • Shop around –

    As you can see from these few examples, the rates insurers charge for the very same driver demographics can vary incredibly. The television commercials by the insurers tell us we can save hundreds of dollars on automobile insurance. Actually, you could save a thousand or more dollars on your insurance each year.

  • Drive defensively –

    If you can stay out of accidents and don’t accrue moving violations, you can save a lot of money on your automobile insurance. People with too many accidents and moving violations have trouble getting insured at any rate.

  • Drive an older car –

    If you have a car that is too old and not worth enough to carry collision insurance, you can save quite a bit of money. This especially applies to younger drivers whose insurance costs are much higher. If they can drive an older vehicle that would just require liability insurance and maybe some inexpensive comprehensive insurance, they can save at least a thousand dollars or more on insurance.

  • Buy collision insurance with a high deductible rate –

    The higher deductible rate you can tolerate in the event of a collision and the need to repair your vehicle, the lower your collision insurance cost will be. Your collision insurance rate will be really high if your deductible is only around $500. If you can tolerate $1,500 or so, you can save quite a bit of money on this portion of your annual insurance rate.

  • Bundle your home and automobile insurance policies –

    If you can buy your automobile and home insurance from the same company, you will likely save money. Most insurers offer a substantial discount for having your home and auto policy with them.

Not sure which discounts you may qualify for, consult this guide to learn more.

Here are Some of the Typical Factors that Affect Your Pembroke Pines FL Car Insurance Premiums

Your car insurance rates can change over time. One of the most reliable factors that will impact your premiums is your age. The older you are, the lower your insurance premiums should be. You may also find your rates vary depending on the car you drive. Sports cars or jeeps may incur higher premiums, while SUVs and sedans are cheaper to insure.

Rates are also impacted by your gender and age, though young women will have lower rates than their same-aged male friends. Actuarial tables show that young drivers are more prone to speeding, alcohol infractions, and accidents than older people, as are young males rather than females.

You can also reduce your regular premium payments by opting for a higher deductible on your collision and comprehensive coverage packages. You can also opt to pay your premium in a larger, single payment every six months rather than spreading the premium out over monthly payments.

Learn how a bad driving record can affect your car insurance rates.

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