The Internet makes it easy to compare car insurance prices in Florida and find the cheapest one with just a click of the mouse. There are dozens of websites that let you compare prices from different insurance companies. This lets you quickly and easily find the best auto insurance policy for you at the best price.
But before you go online and start entering information into comparison websites, you should make a "dream" auto insurance policy so you can compare the same policy on each site.
Keep in mind that you can use more than one of the following tips to lower your car insurance premium.
Driving safely and legally is the best thing you can do to keep your car insurance rates as low as possible. That means you can't speed or break any other traffic laws, and you can't get a DUI or DWI. With even one DUI or DWI conviction, you can say goodbye to cheap car insurance for at least three years. If you get a second DUI or DWI conviction, you'll be thrown into the high-risk insurance pool without a snorkel.
Do you have other policies with the same insurance company, like a life insurance policy, a homeowner's policy, or a health insurance policy? If so, ask about a discount on your monthly premium for having more than one policy.
How long have you been with the same insurance company? If it's been 5 years or more, you should ask about a discount for long-term policies.
Do you drive an average of less than 500 miles a month? If you do, there's no reason to pay full price for your car insurance. Instead, ask your agent about a discount for low mileage.
Do you park your car at night in a garage? If so, you might be able to get a nice discount; talk to your agent about it.
If you've added any anti-theft devices to your car, you should ask your agent if any of them can help lower your monthly car insurance premium.
If you're under 25, you know that your monthly premium is expensive. You can cut it by about 5 percent if you stay in school and keep a grade point average of at least 3.0. Talk to your agent about a discount for being a good student.
Do you drive an older car? A junker? If your car's Kelly Blue Book value has dropped to zero, you'd be a fool to keep paying for collision or comprehensive insurance, since your insurance company will only pay you up to the Kelly Blue Book value of your car.
Are you an older driver, say 55 or older? If so, you may have noticed that your premium has been going up slowly. If you take and pass a special driver's refresher course, you can give it a sharp jolt back down. Not every insurance company gives this discount, though, so you'll have to look around.
How much does your deductible cost? Think about it carefully and decide how much you would be willing to pay out of your own pocket every time you filed a claim. The less your insurance company will charge you each month, the more you are willing to pay out of your own pocket.
Using the tips in this article, it's time to make your dream car insurance policy, which is built from the ground up to cost you as little as possible. Then, we'll go online and find the cheapest car insurance quote we can find.
Just remember that if you really want to get cheap car insurance online in Florida, you'll need to compare prices on your dream policy on at least three different websites. Once you've done that, you should be able to grab the best price you can find and feel confident that you really did get the cheapest car insurance online in Florida.
