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Cheap Auto Insurance Quotes in West Palm Beach, FL (January 2022)
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The 70 mph speed limit on I-95 is one thing you should take notice of while visiting West Palm Beach. Another thing you should remember? Car insurance. You always have to have it with you while driving in the Sunshine State.
There are 483 miles of toll roads in the Florida Turnpike System—some stretching through West Palm Beach. For the more forgetful among us, drivers can buy a SunPass to make getting through toll stops less painful. Finding good car insurance can be less painful, too—but forgetting about insurance altogether can be the biggest mistake you ever make.
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All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.
The state minimum amount of property damage liability coverag required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
Most teenagers will have to skip insurance without a little help from mom and dad, at a price of $754 per month—a rent payment in many parts of the country. In the Sunshine State, as driving experience increases, prices go down. That’s made clear by the dramatic $300 reduction young adults get with a few more years behind the wheel. The prices continue in a downward trajectory with slight bumps during middle age. People in their 60s get the best break and pay $400 less than the teens.
|Failure to Stop for Red Light / Stop Sign||$338|
In West Palm Beach, it pays to be a safe driver. Insurance companies give “good driver” and “accident-free” discounts to people with clean records. Why do drivers with a failure to stop pay less than those with no violations? Drivers with violations often choose to strip their policies to the lowest protection possible, meaning they may choose liability or PIP only and not comprehensive or collision coverage. A violation or at-fault accident stops affecting insurance rates after three years.
Many Floridians wonder what exactly credit has to do with driving ability. The state allows insurance companies to decide rates based on credit, and they claim the numbers paint the picture. It’s pretty much a sliding scale in West Palm Beach. Those with better credit pay less for car insurance. The most dramatic savings come from moving from poor credit to excellent credit, which results in over $100 per month back in the bank. But even a move from poor credit to average credit nets over $50 per month.
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Like many DMVs across the country, West Palm Beach locations offer driver’s license services and registration services at different facilities—though some offer both. Several locations are spread across Palm Beach County. West Palm Beach’s closest DMV locations are 301 N. Olive Avenue (for driver services) and 200 Civic Center Way in Royal Palm Beach (the motor vehicle division). In-house services are by appointment only, and there are some things you can easily manage online. With the state’s MyFlorida app, you can renew your vehicle or watercraft registration online in minutes.
Accessing transportation options in West Palm Beach is easy, from standard bus operations to a free downtown trolley. Palm Tran is Palm Beach County's public bus transportation and a dependable bet for getting around. Another option for commuters who need to go farther and faster? Try Tri-Rail or Brightline. Tri-Rail is a standard rail system that connects commuter stops from West Palm Beach to Miami, while Brightline takes riders to Miami, Fort Lauderdale, and West Palm Beach at speeds of up to 79 mph. Prefer to be picked up by car? Uber and Lyft are offered here 24/7.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how West Palm Beach drivers measure up to their fellow Florida motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. West Palm Beach drivers rank 104 in the number of car accidents per driver across all cities in Florida.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, West Palm Beach drivers rank 66 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. West Palm Beach drivers rank 76 in the number of DUI’s per driver across all cities in Florida.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in West Palm Beach is the Toyota Camry.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, West Palm Beach drivers rank 77 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; West Palm Beach drivers rank 40 in clean driving records across all cities in Florida.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. West Palm Beach drivers rank 87 in failure to yield violations per driver across all cities in Florida.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, West Palm Beach drivers rank 70 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. West Palm Beach drivers rank 50 in hybrid and electric vehicle ownership across all cities in Florida.
Between the sunshine-seeking tourists and millions of commuters, Florida freeways are some of the world’s worst for accidents. Getting to work on time here takes talent, but getting a good rate on car insurance shouldn’t take more than an internet connection and a few minutes.
Even though this glamorous beach town is one of the richest in the country, not everyone here can afford to let their spending go unchecked. Having an accident can cost thousands of dollars in car repairs alone, not to mention a mountain of medical bills. You may not be rich enough to buy everything you want, but with Insurify you can easily make sure you get everything you need at a price you can afford.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.