Who Has the Cheapest Car Insurance Rates in Pompano Beach?

Just north of Fort Lauderdale, Pompano Beach is known for its beaches, offshore coral reefs, marinas, and interesting dive sites. With a population of nearly 112,000, the city is a favorite destination for vacationers. One of its main attractions, Pompano Beach Pier, is a structure that stretches into the Atlantic Ocean. Hillsboro lighthouse overlooks the Hillsboro inlet. A bare majority of the population, 59.4%, is employed and they have an average overall commute time of 25.8, less than the national average of around 27. Insurance premiums are higher than the national average, mainly due to the transient nature of the state as a tourist attraction.

What Insurance Coverage is Needed for Drivers in Pompano Beach

Florida drivers are required to carry insurance in order to legally drive in the state. The minimum requirements for insurance are as follows:

  • $10,000 for bodily injury and death for one person
  • $20,000 bodily injury or death for all persons in an accident
  • 10,000 for property damage
  • $10,000 personal injury protection (PIP)

In some cases, less is more, but when it comes to auto insurance, that’s normally not the case. Although the above limits are enough to make you legal to drive in the state of Florida, the coverage could be less than adequate for your needs. In the event of an accident in which you are at fault, the coverages offered by your insurance company might not be enough to cover the medical and personal property expenses of those injured. If this happens, you could be found financially liable for the remaining balance. The minimum coverage also does not offer any coverage for your vehicle or personal property, so any damage you incur will have to be repaired at your own cost.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Pompano Beach by Insurer

When choosing an insurance company, you want to investigate a variety of factors. First, you should find out how reliable the customer service department is. Check the ratings for the company on consumer sites and read any complaints that there might be. You’ll also want to ensure that the local agents are competent and readily available to help with claims or other issues you might have. Finally, make sure that the premium you’re quoted matches the services you will receive. You don’t want to overpay for insurance, nor do you want to pay money for insurance that might be worthless or less than stellar when you need it.

Are you looking for the best cheap car insurance, check out this guide.

Low Cost Auto Insurance for Bad Credit in Pompano Beach

The state of Florida allows insurance companies to use a driver’s credit history when calculating an insurance premium. The allowance stems from the belief that a person with a lower credit score is a higher risk when it comes to paying premiums. Because of this, Florida drivers with less than perfect credit can pay up to three times what a driver with a higher credit score might pay. Before signing on the dotted line for an insurance policy, shop around so you know you’re getting the best deal, especially if you have credit issues.

Use our guide to find the best car insurance with bad credit.

Differences Between the Two Main Coverages

Liability Only Insurance Coverage

Liability-only coverage means that you are only paying to cover the cost of damage that you do to other people and their property in the event you are at fault in an accident. It covers the costs of medical bills for people you injure or repair costs for property you damage.

It is a good idea to carry more liability insurance than these minimum amounts required by the state of Florida because you will be personally financially liable if you are in an accident and cause more damage to people or property than the state’s minimum required coverage levels.

What is Full Coverage Car Insurance?

Full coverage insurance not only covers the cost of the people and things you might harm when you are in an accident that is your fault. It also covers the cost of any repairs that your property or vehicle might need if you are in an accident that is your fault.

There are two main types of coverage beyond liability coverage:

Collision – This type of insurance covers the cost of repairs to your vehicle or your property that you might damage in an accident in which you are at fault.

Comprehensive – This type of insurance covers the repair costs for your vehicle when one of those unusual things happen that are outside of your control, like weather-related damage to your vehicle, theft, vandalism, and deer stepping in front of your vehicle as you drive.

Difference Between the Two Types of Coverage

The main difference between liability and full coverage insurance is that full coverage will cost more than liability insurance and this is because it protects you against many more possible risks that liability doesn’t cover.

In addition, liability insurance only covers other people’s injury claims and damages to other vehicles where full coverage will cover other’s injuries and vehicle damages as well as your injuries and damage to your own vehicle.

Average Annual Car Insurance Rates in Florida by City

Additional cities in Florida you can check out.

West Palm Beach

Car Insurance Discounts to Lower Your Policy Rates

Find additional ways to save on your Pompano Beach 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.

Check out this guide to learn about insurance premium discounts you may qualify for.

These are the Common Reasons for Insurance Rates in Pompano Beach

There are quite a few factors included in determining your cost for auto insurance such as:

  • Your location
  • Age
  • Number of violations you had in the past
  • Gender
  • Whether you are married or single
  • Your credit score
  • The plan you are seeking
  • The deductible
  • Daily miles you drive
  • The make, model, and year of the vehicle to be insured
  • Whether you live alone or with others
  • Your occupation

Learn how driving violations can affect your car insurance rates.

Helpful Pompano Beach, Florida Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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