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FIVE MISTAKES PEOPLE MAKE WHEN BUYING AUTO INSURANCE
Avoid Auto Insurance Mistakes by Working with Florida’s Best Insurance Agency
Buying an auto insurance policy in Florida is something you need to do. The state requires you to have a policy if you plan on driving on the roads. However, many people make mistakes when it comes to purchasing a policy. You have the chance to learn from these mistakes so that you don’t make them on your own.
Too many people get frustrated with the process of buying auto insurance. They end up buying the first policy that they are quoted on. This is a costly mistake.
Moran Insurance is a leading insurance brokerage in Florida. With a team of experts that will advocate for your needs and deal directly with the insurance providers, we can find coverage that is both affordable and suitable for your unique situation.
Before you buy insurance this year, take the time to learn about some of the classic mistakes people make when exploring the market.
1: BUYING MINIMUM COVERAGE
Various forms of coverage can be purchased when it comes to auto insurance in Florida. State requires a minimum level. After that, you have the ability to increase your liability coverage. It can be extremely advantageous to go above and beyond the minimum so that you reduce the likelihood of having to pay out-of-pocket after an accident. Comprehensive coverage offers the broadest policy so that you will be protected in any scenario, you can learn more about it here.
2: SKIPPING COMPREHENSIVE COVERAGE
Comprehensive insurance gives your vehicle all-round protection
Many people choose to skip comprehensive coverage in order to lower their monthly premiums. Comprehensive coverage is going to cover a variety of non-driving related incidents. It will include windshield replacement, hail damage, and more.
If you have a lease or you are still making payments on your car, comprehensive coverage may be required. Otherwise, it is up to you whether you want to have it on your policy or not. It’s a small expense in comparison to having to pay for repairs and replacements on your own.
3: NOT BUYING UNINSURED MOTORIST COVERAGE
Unfortunately, not everyone follows the law. If you are involved in an accident and the other person doesn’t have insurance, you could end up paying a significant amount of money. Uninsured motorist coverage can help to provide protection. This way, if you do find yourself in this kind of situation, your insurance will take care of all of the expenses.
4: BUYING THE FIRST POLICY
Too many people get frustrated with the process of buying auto insurance. As such, they buy the first policy that they are quoted on. This can be a big mistake because you could be overpaying. The reality is that you don’t know how much you are overpaying because you didn’t bother to make any comparisons.
It’s better to get quotes from at least three companies. This way, you can compare coverage as well as cost to be able to get an affordable quote.
5: NOT WORKING WITH AN AGENT
Finally, many people choose not to work with an independent insurance agent. They assume that agents cost money. The reality is that it is not going to cost you anything to work with an agent. They are paid by the insurance company that you ultimately choose to work with. It can be extremely beneficial to tap into their knowledge of the insurance industry and get help with getting quotes and answer questions you may have about coverage.
Don’t make the mistakes that others have made. It doesn’t take long to review your coverage options. To make it easier, work with an agent who will guide you through it all so that you can be sure you have the best possible coverage.
Your Best Option for Auto Insurance in Florida
Your car deserves the best auto insurance
You know what to avoid when buying insurance for your vehicle. Now it’s time to learn how Moran Insurance can make a difference through our auto insurance division, Edge Auto Insurance.
Finding the perfect insurance policy can be extremely time-consuming. It can also be confusing as you navigate the various types of coverage, clauses, and special conditions that insurers impose. By working with a licensed broker, you will have someone on your side that will look through the details to find a policy that works. Instead of calling each insurance company individually, you will be able to talk to a single professional who will then present your options in an easy to digest format.
This is helpful for several reasons:
- You will be able to quickly compare the cost of insurance for each policy. Your broker at Moran Insurance will explain premiums and deductibles. Whether you want affordable insurance throughout the year or the lowest possible out of pocket expenses, we will find something that works.
- Choice is always better. We explained how choosing the first policy that comes your way is a bad idea. By comparing a number of different policies, you will be able to quickly determine which one is suited to your needs.
- With a broker, you will get access to policies that you might not have discovered on your own. Moran Insurance works with the best insurers in Florida and maintains a large professional network. If you want to find the best offers with the least time invested, a leading brokerage should be your first choice.
- You can get pre-qualified for insurance, so you won’t waste time. You’ll only need to provide documentation and other requirements once. Your broker will take care of the rest.
To put it simply; if you’re looking for the easiest way to find the most comprehensive and cost-effective insurance, it’s time to talk to a licensed auto insurance broker in Florida.
Talk to Us Today to Find the Perfect Auto Insurance Policy Our licensed agents and brokers are standing by to help. If you need commercial auto insurance or insurance for your private vehicle , we will work on your behalf to find the perfect solution.
