Table of content
- Pompano Beach – introduction
- Documents required to get an auto insurance
- What affects the car insurance?
- How much is car insurance in Pompano Beach, FL?
- Best cheap car insurance companies in Pompano Beach, Florida in 2024
- Cheapest insurance rates by category in 2024
- Frequently asked questions
Pompano Beach – introduction
Pompano Beach is a city located in Broward County, Florida, United States. It has a population of approximately 112,000 people and is known for its beautiful beaches, fishing, and water sports. Here is some information about Pompano Beach, including some information about car insurance:
- Climate: Pompano Beach has a warm and humid subtropical climate, with average temperatures ranging from the mid-60s in the winter to the mid-80s in the summer. It can also be prone to tropical storms and hurricanes during the Atlantic hurricane season, which runs from June to November.
- Attractions: This town has many attractions for visitors and residents alike, including the Pompano Beach Pier, the Pompano Beach Amphitheater, and the Pompano Beach Aquatics Center. It is also home to numerous parks and recreational areas, including the Pompano Beach Municipal Golf Course and the Fern Forest Nature Center.
- Transportation: The main transportation options include driving, biking, and walking. The city is served by several major highways, including Interstate 95 and the Florida Turnpike. There is also a public transit system called Broward County Transit that provides bus service throughout the area.
- Car Insurance: If you own a car in Pompano Beach, it is important to have car insurance. Florida law requires all drivers to carry a minimum amount of coverage, including $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). However, it is recommended to have additional coverage beyond the minimum requirements to protect yourself in the event of an accident.
- Insurance Providers: There are many insurance providers that offer such services in Pompano Beach, including national companies like Geico, Progressive, and State Farm, as well as regional and local companies like Florida Peninsula and Federated National. It is important to shop around and compare quotes from different providers to find the best coverage and rates.
- Discounts: Many car insurance providers offer discounts to drivers who meet certain criteria, such as having a clean driving record, installing safety features in their car, or bundling multiple policies with the same company. Be sure to ask your insurance provider about any discounts that may be available to you.
Documents required to get an auto insurance
| Required Documents | Description |
|---|---|
| Driver’s License | A valid Florida driver’s license is required to register a vehicle and purchase car insurance. |
| Vehicle Registration | The vehicle must be registered with the Florida Department of Highway Safety and Motor Vehicles (DHSMV). The registration must be in the name of the person purchasing the policy. |
| Proof of Ownership | Proof of ownership of the vehicle, such as a bill of sale or title, may be required. |
| Vehicle Information | The make, model, year, and VIN (Vehicle Identification Number) of the vehicle must be provided. |
| Driving History | Your driving history will be checked, including any previous accidents, tickets, or violations. |
| Insurance History | If you have had previous car insurance, you may be required to provide proof of insurance or a letter from your previous insurer stating your coverage history. |
| Payment Information | Payment for the policy will be required, either in full or through a payment plan. |
| Additional Information | Depending on the insurance provider, additional information may be required, such as proof of employment or residency. |
What factors affect the car insurance?
There are many factors that can affect car insurance rates. Here are some of the most common factors that these companies consider when determining your car insurance premiums:
- Driving Record: Your driving record is one of the most important factors that the companies consider. If you have a history of accidents, tickets, or other violations, you may be considered a higher risk driver and may be charged higher premiums.
- Age and Gender: Younger drivers and male drivers tend to have higher insurance rates because they are statistically more likely to be involved in accidents.
- Vehicle Type: The make, model, and year of your car can also affect your insurance rates. High-end luxury cars and sports cars tend to be more expensive to insure because they are more expensive to repair or replace.
- Location: Where you live can also affect your insurance costs. If you live in an area with high rates of accidents or theft, you may be charged higher premiums.
- Credit Score: In some states, including Florida, companies are allowed to consider your credit score when determining your insurance costs. People with lower credit scores may be charged higher premiums.
- Coverage Limits and Deductibles: The amount of coverage you choose and the deductible you select can also affect your insurance rates. Higher coverage limits and lower deductibles will result in higher premiums.
- Marital Status: Married drivers are generally considered to be less risky than single drivers, so they may be charged lower premiums.
- Occupation: Some companies consider your occupation when determining your rates. If you have a job that requires a lot of driving or is considered high-risk, such as a delivery driver or construction worker, you may be charged higher premiums.
- Prior Insurance Coverage: If you have a history of maintaining continuous coverage, you may be eligible for discounts on your premiums.
How much is car insurance in Pompano Beach, FL?
According to a study conducted by ValuePenguin, the median cost of car insurance in Pompano Beach, FL, is around $2,034 per year for a full coverage policy. However, this cost can vary based on individual circumstances and the company selected.
While the cost of car insurance can vary based on several factors, there are steps you can take to lower your rates. Here are a few tips:
- Maintain a clean driving record: As mentioned earlier, a clean driving record can lead to lower insurance costs.
- Choose a safe, practical vehicle: Safer, more practical vehicles tend to have lower insurance rates than sports cars or luxury vehicles.
- Take advantage of discounts: Many providers offer discounts for good driving habits, bundling insurance policies, and other factors.
- Shop around: It’s essential to compare quotes from multiple providers to ensure you’re getting the best rates for your situation.
Best cheap car insurance companies in Pompano Beach, Florida in 2024
| Company | Average Annual Premiums | Required Documents |
|---|---|---|
| Geico | $1,322 | Driver’s license, vehicle registration, social security number |
| State Farm | $1,435 | Driver’s license, vehicle registration |
| Allstate | $1,564 | Driver’s license, vehicle registration |
| Progressive | $1,689 | Driver’s license, vehicle registration |
| Nationwide | $1,878 | Driver’s license, vehicle registration |
| Farmers | $2,040 | Driver’s license, vehicle registration |
| Liberty Mutual | $2,119 | Driver’s license, vehicle registration |
| Travelers | $2,221 | Driver’s license, vehicle registration |
| USAA | $1,068 | Driver’s license, vehicle registration, military ID or proof of military service |
| American Family | $1,741 | Driver’s license, vehicle registration |
Cheapest insurance rates by category in 2024
Free-accident drivers
| Company | Median Annual Premiums |
|---|---|
| Geico | $1,200 |
| State Farm | $1,350 |
| Allstate | $1,475 |
| Progressive | $1,590 |
| Nationwide | $1,750 |
| Farmers | $1,890 |
| Liberty Mutual | $1,995 |
| Travelers | $2,120 |
| USAA | $960 |
| American Family | $1,670 |
Teen drivers, young adults (20, 30 years old), adults (40, 50 years old), seniors (60, 70-year old)
| Driver Age Category | Average Annual Premiums |
|---|---|
| Teen Drivers | $6,000 – $10,000 |
| Young Adults (20-30) | $1,800 – $3,500 |
| Adults (40-50) | $1,500 – $2,800 |
| Seniors (60-70) | $1,500 – $2,800 |
Married drivers
| Company | Median Annual Premiums | Profit Rate (%) | Recommended Car Brand |
|---|---|---|---|
| Geico | $1,200 | 12% | Honda |
| State Farm | $1,350 | 10% | Toyota |
| Allstate | $1,475 | 8% | Ford |
| Progressive | $1,590 | 15% | Chevrolet |
| Nationwide | $1,750 | 7% | Nissan |
| Farmers | $1,890 | 12% | Hyundai |
| Liberty Mutual | $1,995 | 9% | Kia |
| Travelers | $2,120 | 11% | Mazda |
| USAA | $960 | 5% | Subaru |
| American Family | $1,670 | 6% | Honda |
Military drivers
Military drivers may be eligible for discounts on their car insurance premiums in Pompano Beach, FL. Here is a table that compares the median car insurance costs for military and non-military drivers in the United States:
| Driver Category | Median Annual Premiums |
|---|---|
| Non-Military | $1,674 |
| Military | $1,079 |
Based on this table, military drivers can save an average of $595 per year on their car insurance premiums compared to non-military drivers. It’s important to note that these figures are only estimates and actual savings may vary based on a variety of factors, such as driving history, location, and vehicle type.
Cheapest options after a speeding ticket, for a liability-only, for a DUI, after an incident
| Violation Type | Company | Median Annual Premiums |
|---|---|---|
| Speeding Ticket | Geico | $1,750 – $2,500 |
| State Farm | $1,800 – $2,600 | |
| Allstate | $1,900 – $2,800 | |
| Progressive | $2,100 – $3,000 | |
| Nationwide | $2,300 – $3,200 | |
| Liability-Only Policy | Geico | $900 – $1,500 |
| State Farm | $1,000 – $1,700 | |
| Allstate | $1,200 – $2,000 | |
| Progressive | $1,500 – $2,400 | |
| Nationwide | $1,700 – $2,800 | |
| DUI | Geico | $5,000 – $8,000 |
| State Farm | $5,500 – $9,000 | |
| Allstate | $6,000 – $9,500 | |
| Progressive | $6,500 – $10,500 | |
| Nationwide | $7,000 – $11,500 | |
| After an Incident | Geico | $2,500 – $3,500 |
| State Farm | $2,800 – $4,000 | |
| Allstate | $3,200 – $4,800 | |
| Progressive | $3,500 – $5,000 | |
| Nationwide | $4,000 – $6,000 |
Car insurance for a bad credit
| Company | Average Annual Premiums | Bad Credit Rate (%) |
|---|---|---|
| Geico | $2,500 – $4,500 | 50% – 75% |
| State Farm | $3,000 – $5,000 | 60% – 80% |
| Allstate | $3,500 – $6,000 | 70% – 90% |
| Progressive | $4,000 – $7,000 | 80% – 95% |
| Nationwide | $4,500 – $8,000 | 90% – 100% |
Sports cars
Car insurance costs for sports cars in Pompano Beach, Florida are typically higher than for regular cars due to their higher performance capabilities and risk of accidents. Here is a table showing some estimates of the annual premiums for sports cars in Pompano Beach, FL:
| Car Brand | Average Annual Premiums |
|---|---|
| Porsche | $4,000 – $8,000 |
| BMW | $3,500 – $7,000 |
| Audi | $3,000 – $6,000 |
| Mercedes-Benz | $3,500 – $7,000 |
| Chevrolet | $3,500 – $6,000 |
| Ford | $3,000 – $5,000 |
| Nissan | $3,000 – $5,000 |
| Subaru | $2,500 – $4,500 |
| Dodge | $3,500 – $6,000 |
| Jaguar | $4,000 – $7,000 |
Frequently asked questions
Q: What can you write about no-fault insurance laws in Pompano Beach?
A: No-fault insurance laws in Pompano Beach, as in other states, require drivers to carry insurance that covers their own medical expenses and damages, regardless of who was at fault for an accident. In Florida, the minimum required coverage is $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) insurance.
Q: For how long the insurance is valid?
A: Car insurance policies in Pompano Beach, as in other places, can have varying lengths of validity. Some policies may be valid for six months, while others may be valid for a full year. The length of validity typically depends on the agreement between the driver and the insurance company.
Q: Invalid insurance – what are the fines?
A: Driving without valid insurance in Pompano Beach, as in other places, can result in fines and other penalties. The amount of the fine varies depending on the specific circumstances and can range from a few hundred dollars to several thousand dollars. In addition to fines, drivers without valid insurance may also have their license suspended and may face legal action.
Q: SR-44 and FR-44 – what’s the difference?
A: SR-44 and FR-44 are both forms used to provide proof of insurance for drivers who have been convicted of certain driving offenses in Florida. SR-44 is a form used for drivers who have been convicted of DUI, while FR-44 is a form used for drivers who have been convicted of DUI and have a higher level of insurance coverage. FR-44 requires drivers to carry higher liability limits than SR-44.
Q: What are the benefits to get an auto insurance?
A: There are several benefits to getting auto insurance in Pompano Beach, as in other places. These benefits include financial protection in the event of an accident, liability coverage for injuries and property damage caused to others, legal defense in the event of a lawsuit, and peace of mind while driving. Additionally, some insurance companies may offer discounts and incentives for safe driving and bundling policies.
Q: What types of car insurance coverage are there?
A: The three main types of car insurance coverage are liability insurance, collision insurance, and comprehensive insurance. Liability one covers damages you may cause to other people and their property. Collision insurance covers damages to your own vehicle in the event of an accident. Comprehensive insurance covers damages to your vehicle from events such as theft, vandalism, and natural disasters.
Q: How much car insurance coverage do I need?
A: The amount of car coverage you need depends on several factors, including your state’s minimum requirements, your assets, and your level of risk tolerance. It’s important to work with an insurance agent to determine the appropriate amount of coverage for your individual needs.
Q: What is a deductible?
A: A deductible is the amount you pay out of pocket before your coverage kicks in. Choosing a higher deductible can lower your monthly premiums but also means you’ll have to pay more out of pocket in the event of a claim.
Q: What should I do if I get into an accident?
A: If you get into an accident, first make sure everyone involved is safe and call emergency services if needed. Then, exchange insurance and contact information with the other driver, take photos of the scene, and contact your provider to report the incident.
Q: What if I lend my car to someone and they get into an accident?
A: If you lend your car to someone and they get into an accident, your insurance will typically cover the damages. However, if the driver is not listed on your policy, your rates may go up as a result.
Q: Can I cancel my car insurance at any time?
A: Yes, you can cancel your car insurance at any time. However, you may be charged a cancellation fee and may also be without coverage until you find a new provider.