Obviously, the best way to compare low-cost auto insurance in Florida is to look at a few of the websites that were made to compare policies and prices from different insurance companies.
Before you go online, though, you should take a few minutes to make sure that your auto insurance policy is set up to save you as much money as possible from the start. Any additional savings you find through online comparisons are just icing on the cake.
Lucky for most Florida drivers, there are a lot of things they can do to keep their car insurance costs low enough that they can still afford to put gas in their cars and drive them.
If you're looking to buy a new car, for example, you should talk to your auto insurance agent before deciding on a specific make and model. Because some new cars are much more expensive to insure than others, and knowing which ones are which can save you a lot of money in the long run.
Your driving record is one of the most important things that affects how much your car insurance is going to cost. Even one speeding ticket or other moving violation can make your insurance rates go up, and a DUI or DWI conviction can send your rates through the roof.
If you are convicted of DUI or DWI a second time, you will have to try to get insurance in a special high-risk pool at prices you won't believe.
And don't try to drive in Florida without insurance. The state has a special computer network that is notified within minutes when an insurance policy is cancelled for any reason. If the policy isn't replaced right away, the state will cancel your car's registration, making it illegal to drive that vehicle.
If you're under 25, you'll be automatically put in a high-risk insurance group and have to pay more for your coverage. If you can stay on your parents' policy, you may be able to save money. You can also cut at least 5% off your monthly premium by staying in school and getting at least a "B" average so you can get a "Good Student Discount."
If you have other types of insurance with the same company, like health insurance, home insurance, or life insurance, you may be eligible for a Multi-Policy Discount.
You can also save money on your monthly premium if you can park your car in a garage at night.
If you've been with the same insurance company for 5 years, you may be eligible for a Long-Term-Policy Discount.
Ask your agent about a Low-Mileage Discount if you drive less than 500 miles per month.
At least twice a year, make it a habit to ask your agent straight out if there are any discounts you might be eligible for that aren't advertised. You wouldn't believe how many weird discounts insurance companies come up with but never tell anyone about.
If you are over 55, you may have noticed that your insurance rates are going up. If you take and pass a special driver's refresher course, you can stop the creep and cut about 10% off your monthly bill. Check with your agent because not all insurance companies offer this choice.
Do you drive an old car that isn't worth much or anything at all, according to the Kelly Blue Book? If you do, you're wasting your money if you have collision or comprehensive insurance on it, since your company will never pay you more than the Blue Book value if it gets damaged or is totaled.
How much does your deductible cost? The higher your deductible, the lower your monthly premium, but be careful when choosing it because you will have to pay this money out of your own pocket if you ever have to file a claim.
Now, put as many of the tips you've learned in this article into your dream policy as you can. The next step is to go online and find at least three websites that let you quickly compare policies. Then, compare the cost of your dream policy at different insurance companies.
Don't make the mistake of thinking that you only need to compare things on one website. None of the websites compare all of the auto insurance companies in Florida, so take the time to compare your dream policy on at least 3 different sites.
Now you're ready to buy the lowest price you found, knowing that you've done everything you could to compare low cost auto insurance in Florida and that you've found the best deal you can.
Congratulations!
