Best Car Insurance Companies in West Palm Beach, FL
Jan. 24, 2020, 1:18 a.m.
Car insurance, beyond being financially practical and providing peace of mind, is a legal requirement in Florida. Drive without coverage and your license and registration could be suspended, and you may be forced to buy a more expensive policy. To help you find a company offering affordable and supportive protection, we researched the best car insurance in West Palm Beach.
How to choose a car insurance company in West Palm Beach
Cars are among our most valuable possessions. It’s important to have insurance in case your vehicle gets damaged, you get hurt driving or you cause injury to another driver or their property.
In West Palm Beach, as in the rest of Florida, vehicle owners are required to purchase a policy with:
$10,000 personal injury protection (PIP), which pays for medical bills for you and household members after a crash
$10,000 property damage liability (PDL), which pays for damages you cause to someone else’s property after a crash
For greater security, many drivers in West Palm Beach purchase higher amounts of protection and buy additional types of coverage. These include collision, comprehensive, bodily injury liability and uninsured/underinsured motorist.
How much is car insurance in West Palm Beach?
Unfortunately, South Florida is one of the country’s most expensive metro areas for auto insurance. This is due to a number of factors, like the state’s mandatory coverage laws, high rates of accidents and crime and the region’s population density. The average annual premium in West Palm Beach is around $2,000.
It’s important to shop around and make sure you’re getting the best rates possible, taking advantage of the many discounts offered by car insurance companies in West Palm Beach. Ask about savings for:
Safe driving and accident-free records
Insuring multiple vehicles or bundling car insurance with homeowners insurance
Paying annual dues in full rather than monthly installments
Increasing the deductible
Car safety features
Before purchasing a policy, check out feedback from customers to learn about their experiences filing claims with the company. Read the terms and conditions carefully to make sure all your desired coverages are included. For more information, the Florida Office of Insurance Regulation has guides available in both English and Spanish.
Progressive insures over 18 million drivers in the U.S. Customers shopping for coverage can use the Coverage Checker and Name Your Price tools to find the right policy at an affordable price. The Progressive app makes it easy to view and print ID cards, pay premiums, report a claim and get roadside assistance. Plenty of discounts are available. Call for free, personalized advice and a quote. Customers love the fast claims process and lower rates.
Liberty Mutual is a popular choice because of its strong policies and benefits, which include a 12-month rate guarantee, 24/7 customer service and a lifetime promise on repairs. The company also helps contribute to customers’ deductibles through the Liberty Mutual Deductible Fund. Learn which discounts you qualify for by getting a quote and find out about other features customers love at Liberty Mutual, like accident forgiveness.
The General has been providing car insurance for over 50 years. This company works with cars and drivers of all sorts, including those with a record of violations or accidents. Customers get supportive claims handling and convenient monthly payment plans. The General’s new app simplifies all aspects of coverage, like getting your ID cards and finding answers to FAQs. According to reviews, it’s easy to get a quote and affordable prices.
Blue Sky Insurance
Blue Sky Insurance is a local independent agency that has been in business for over 15 years. The company represents over 70 car insurance carriers and offers competitive rates for quality protection. Live online quotes are available. Customers can also call or visit Blue Sky Insurance’s office in Boca Raton. The agency earns strong reviews for its professionalism and friendly service. Many South Florida residents recommend it to friends and family.
Absolute Insurance, Inc.
Absolute Insurance, Inc. is a family-owned and -operated insurance agency offering personalized car insurance coverage for West Palm Beach drivers. This independent company represents financially strong, reputable carriers and helps clients get the most for their money. Staff are not satisfied until you understand your policy and benefits fully. According to reviews, Absolute Insurance, Inc. takes the time to understand customers’ needs and budgets.