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Cheap Car Insurance In West Palm Beach FL

Your Guide to the Best Cheap Car Insurance in West Palm Beach, FL

Are you looking for cheap auto insurance in West Palm Beach, Florida? Well, your search is over with AC Insurance. Many factors impact your overall auto insurance rates, which as your driving record, age, and the coverage level you would like to receive. With us at AC Insurance in West Palm Beach, FL, we accommodate all of these factors to help you gain a high-quality auto insurance plan that fits with your budget.

Get your free West Palm Beach Insurance Quote today from AC Insurance!

Auto Insurance in West Palm Beach, FL

Car insurance in Florida is known for being unique in comparison to auto insurance in other US states. This is because Florida is a no-fault state, which means that individuals are required to file a claim through their respective insurance company no matter who is to blame for an accident occurring. Due to this state having a no-fault policy, the state minimum requirements primarily focus on personal injury protection (also called PIP) and property damage liability coverage (also called PDL).

The Auto Insurance Coverage Requirements in West Palm Beach, FL

Almost every state in the US is equipped with some car insurance legal requirements that drivers are required to follow if they wish to drive on public roads. Due to Florida being a no-fault state, a driver is responsible for filing a claim through their car insurance provider even if they aren’t at fault for causing an accident.

If you’re searching for auto insurance in West Palm Beach, FL, you need to at least have auto insurance coverage that includes the minimum auto insurance requirements laid out by the state of Florida.

When purchasing car insurance from AC Insurance, you’re given peace of mind knowing that you’re being given a car insurance policy that allows these requirements. However, our objective as an insurance company isn’t to be mediocre and only offer the bare minimum.

That’s why we’re equipped to align with the requirements laid out by the state while providing coverage that fits your specific circumstances and needs. We do all of this while providing you an economically viable insurance policy, so you don’t need to empty your wallet to gain the best auto insurance cover.

Our AC Insurance Auto Coverage

When it comes to offering exceptionally high-quality auto insurance at a reasonable price, AC Insurance doesn’t mess around. We’ve designed our affordable car insurance in West Palm Beach, FL to offer the insurance requirements:

Liability Insurance Coverage (PD and BI)

Our liability coverage is used to cover the cost of injuries that you have caused to others. In addition to this, it also covers the damage created to someone else’s property when you were the person at fault for the incident. These insurance services are a vital section making up any auto insurance policy. The reason for this is that it protects you against being sued by the affected parties for any injuries that you might be responsible for.


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1274 North Military Trail, West Palm Beach

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  • Carmen Harvey ★★★★★ 4 months ago
    I am very comfortable coming to ac insurance I have the opportunity to have Michelle as my customer agent and I have been going there for years now I love my experience


In West Palm Beach, Florida, this bodily injury liability coverage is an option in your auto insurance policy. Nonetheless, it’s still incredibly vital that you’re covered for this. This is why AC Insurance agents always recommend clients have a minimum of $10,000 property damage and injuries cover included in their Palm Beach car insurance policy. Although, Palm Beach FL insurance providers state that it’s best to have higher limits, as this protects you and your assets.

Personal Injury Protection (PIP)

When purchasing car insurance in West Palm Beach, Florida, drivers are required to have insurance coverage that includes Personal Injury Protection PIP). These insurance services are also known as PIP or No-Fault coverage. This insurance coverage entails paying for any medical and rehabilitation expenses, funeral expenses, and replacement costs that are acquired during an accident. In addition to this, these insurance services are also equipped to pay for loss of income if an individual is injured in a car accident and can’t work from the injuries you sustained in this incident.

Collision and Comprehensive Coverage (also known as Coll and Comp)

Insurance services for Collision and Comprehensive (where comprehensive is described as other than collision) coverages are designed to pay for any damages sustained to your car in an accident. The cost of car insurance also can include one or both of these coverages for every car that you own. However, you might be required to purchase both of these coverages from an insurance agency if you have an auto loan.

Luckily, our AC insurance quotes in West Palm Beach, FL, are known for offering the best car insurance policies and can include both of these coverages for you. Our insurance agents are accommodating for your specific needs. Nonetheless, it’s critical to understand that the cost of car insurance rate can increase depending on which cover you decide to use. Nonetheless, an AC Insurance agent is ready and waiting to help you in any way possible and offer you one of the best auto insurance quotes you’ve seen.

With that being said, you’re likely wondering what the difference is between Collision and Comprehensive Auto Insurance. Insurance agent representatives from other car insurance companies are known for answering this question vaguely, which leaves clients with many questions. At AC Insurance, we pride ourselves on offering clients transparency. That’s why our insurance agent representatives are eager to answer any questions you might have about your West Palm Beach FL car insurance and what it all means. When it comes to the difference between Collision and Comprehensive Coverage provided by an insurance agency, these can be classified as:

  • Comprehensive Coverage (other than collision) is equipped to cover you against other physical damages caused to your car other than a collision. This includes vandalism, flood, theft, and fire.
  • Collision Coverage is equipped to cover you against damages sustained to your vehicle during an accident.

Our AC Insurance agent is going to inform you of the policies included in this coverage. When it comes to most insurance companies, this Collision and Comprehensive (other than collision) Coverage often includes an excess or deductible. This deductible is generally between $100 and $1,000.

If your car is damaged in an accident or from an event, such as vandalism, flood, theft, or fire, the cheap auto insurance agency is going to pay for the damage in excess of the deductible that you have selected in your car insurance quotes. The deductible you select plays a role in the car insurance rates you’re given from the insurance agency. Due to this, the higher the deductible that you select, the lower premium you’re given by the insurance agency and the more money you’re required to pay when you claim with your cheap auto insurance agency.

Our AC Insurance Palm Beach car insurance rates are known for being reasonable and affordable. Call our insurance agency when searching for car insurance quotes to see how we can accommodate your budget and provide you with the best auto insurance rates in West Palm Beach, FL.

Medical Payments Coverage (MP)

Coverage for medical payments on your insurance policy in West Palm Beach, FL, pays for medical expenses (which are up to a specific monetary value) for you and any passengers who were present in your car and needed medical attention as a result of an automobile accident. It doesn’t matter who is at fault for this accident. You and those who frequently travel with you in your car might no need this type of coverage if you have health insurance. Nonetheless, this type of cover is always beneficial. Our AC West Palm Beach Car Insurance rates can accommodate for this coverage and ensure that it fits with your budget if you require this type of cover.

Uninsured or Underinsured Motorist Coverage (UM)

This Uninsured or Underinsured Motorist Coverage is specifically designed to pay for any injuries you might have sustained while in an auto incident with someone who is uninsured or who doesn’t have enough liability insurance to cover the cost of your injuries. In addition to this, This UM cover is also equipped to cover you if you’re involved in a hit-and-run with another driver. This coverage is incredibly beneficial to include in your car insurance rates, even though it isn’t necessary. This is because it helps to cover Property Damage Liability (PDL) costs and any medical costs caused by bodily injury.

The reason behind this is that you can control what insurance policies other motorists take out or the car insurance rates associated with these policies in West Palm Beach, Florida. As a result, there is a risk that you might not gain the compensation you deserve if you’re in an accident that wasn’t your fault. However, you can be prepared for cases like this and prevent yourself from paying out of pocket for someone else’s negligence. For this reason, our auto insurance in West Palm Beach, Florida, can include UM coverage without rapidly increasing your car insurance rates.

Optional Insurance Coverage

Special or optional insurance cover is designed to include additional features to an existing West Palm Beach car insurance policy like rental reimbursement, towing, and roadside assistance. When looking for car insurance in West Palm Beach, Florida, you aren’t required by law to have any of these additional policies. However, this optional insurance coverage is vital in the event of an auto accident.

Our licensed West Palm Beach car insurance agents at AC Auto Insurance review your existing auto insurance policy to ensure that you have the coverage that’s aligned with your specific preferences and circumstances.

How Much Coverage Should You Take Out?

Many factors determine the appropriate level of West Palm Beach car insurance coverage you have to take out from an auto insurance agency, like AC Insurance Agency. Some of these factors include the number of assets you need to protect (falling under liability insurance cover), the value of your car (comprehensive and collision coverage), your individual tolerance for risk, and the amount of money you’re financially capable of paying out-of-pocket (in the form of deductibles). Once all of these factors are determined for your specific case, our professionals at AC Insurance Agency can design the right West Palm Beach car insurance specifically for your needs.

How Can You Get Discounted Car Insurance Rates in West Palm Beach?

Many insurance companies offer their clients opportunities to gain discounts on their insurance policies. You can get two different types of discounts when dealing with an insurance agency. These are vehicle-based discounts and driver-based discounts.

Vehicle-Based Discounts

You can get vehicle-based discounts from various additions to your car. All of these additions work to reduce the risk associated with using your car and include break assistance, new vehicle purchase, airbags, rear-view mirror, anti-theft alarm, and anti-lock brakes.

Driver-Based Discounts

Driver-based discounts are formed from the performance of the driver. Being a good driver, having a good driving record, being accident-free, and safe driver can help reduce the risk associated with providing you with a policy. For this reason, drivers can gain a discount on their insurance policy in the form of a:

  • Agency transfer discount
  • Advanced quote
  • Paid in full
  • Homeowner discount
  • Prior insurance discount
  • Multi-car discount
  • Five-years accident-free
  • Teenage drivers good student discount
  • Autopay
  • Paperless safe driver discount
  • Good driving discount

Our West Palm Beach Insurance Company has been serving the residents of West Palm Beach County (and the surrounding area) with quality and cheap insurance since 1991. Let us help you obtain the best auto insurance rate in West Palm Beach today! Get a free and no-obligation quote from AC Insurance today!

Why Choose AC Insurance

AC Auto Insurance has been in the West Palm Beach car insurance industry in 1991 and has written endless insurance policies for clients residing in the West Palm Beach, FL, area. For this reason, the professional staff at this AC West Palm Beach Insurance Agency are eager to answer any questions you have and provide personal quotes that cover all your auto needs.

We have been successfully planning the policy of our West Palm Beach client needs since 1991. Our objective when starting this West Palm Beach Insurance agency was to offer high-quality coverage at an affordable price. However, as the years have gone on, we have found ways to offer cheap insurance that’s better than the rest. Our years of experience have allowed us to do this, which is why we are the top-performing West Palm Beach insurance providers.

Along with wanting to offer cheap and high-quality insurance, we also had a vision of providing our West Palm Beach clients with the broadest spectrum of insurers. The versatility included in our West Palm Beach agency allows us to provide greater value to individuals and businesses. Instead of implementing a one-size-fits-all West Palm Beach insurance company, we pride ourselves on our relentless drive to work alongside our clients to determine the best cover for their specific insurance requirements.

Our West Palm Beach insurance agency works to offer clients from Palm Beach County (and surrounding counties) in Florida the best West Palm Beach auto insurance at a cheap and affordable price. The areas we provide this cheap insurance to include (but aren’t limited to)

  • Jupiter
  • Palm Beach Gardens
  • Royal Palm Beach
  • Riviera Beach
  • North Palm Beach

Get your free West Palm Beach Insurance Quote today from AC Insurance!

Frequently Asked Questions

Who has the cheapest car insurance in Florida?

There are various insurance companies based in Florida that provide the cheapest car insurance. However, the problem when purchasing the cheapest car insurance is that you often sacrifice the quality cover you should be buying for your car. Luckily, AC insurance works hard to compete against the cheapest car insurance policies in Florida while still providing customers with quality.

What is the cheapest place to get car insurance?

The counties in Florida are known to have varied car insurance prices. With that being said, the cheapest car insurance is going to depend on the conditions surrounding your policy. For this reason, there are many things you can do to ensure you get the best deal on your car insurance. No place is going to offer the same deal to everyone, which means that the prices change for each individual. Due to this, you should never settle on the first policy you’re provided with, but shop around instead. This can help you identify where you can get the cheapest and quality car insurance that fit your exact requirements.

How can I lower my car insurance in Florida?

Various elements can help to lower your car insurance in Florida. One of these factors includes being a good driver. This is because it reduces the risk and cost associated with your car insurance. In addition to this, you can also compare car insurance plans and buying auto and home insurance from the same company. Teenage drivers can also receive a good student discount, decreasing the average cost of insurance per month.

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