Most people know that if you type "Car Insurance in Florida" into any search engine, you will find dozens of websites that let you compare prices for car insurance from a wide range of companies quickly and easily. These websites are great.
But before you start comparing things, it would help if you knew exactly what you were comparing. In other words, you need to have a policy in hand before you start comparing, or your comparisons won't mean anything.
And it helps a lot if you can put together a policy that is designed to save you money before you look at other policies. So, the extra money you save when you compare prices between different companies will really make you happy.
Start with your own record behind the wheel. Do you always follow the rules of the road and drive safely? If not, you'll need to change your ways if you want to get the cheapest car insurance possible, since even one speeding ticket or other moving violation will make your rates go up.
If you get a DUI or DWI, your rates will go through the roof and stay high for at least 3 years. If you get a second DWI or DUI conviction, it will be hard for you to find insurance in the high-risk pool at any price.
Have you bought insurance from the same company before? Do you have a policy for your home, for your life, or for your health with the same company? If so, you may be eligible for a discount for having more than one policy.
Have you had the same insurance company cover you for at least 5 years? Then you probably qualify for a monthly Long-Term Discount on your car insurance.
Do you have a garage where I can leave my car overnight? You should get a discount if you can park your car away from the street.
Do you drive less than 500 miles a month? If you do, you might be able to get a discount for low mileage.
If you are under 25 and still in school and have a grade point average of at least 3.0, you should get a discount of about 5% on your insurance.
If you're married, it might be cheaper to put your wife on the policy as the main driver and your husband as the secondary driver. This is because women tend to get into fewer accidents than men, so their monthly insurance rates are lower.
If you are 55 or older, you should find out if you can take a refresher course for drivers. If you pass this kind of course, you can save 10% on your car insurance every single month.
If you drive an old car or a junker that doesn't have a Kelly Blue Book value, don't pay another dime for collision and comprehensive coverage. Stop paying for those two parts of your insurance and use the money you save to buy a newer car.
Can you afford to pay more out of pocket? Be careful how you answer this question, because if you can afford a higher deductible, your monthly car insurance premium will be lower. On the other hand, if your deductible is higher, you will have to pay more out of your own pocket when you have a claim. Don't agree to pay a deductible that is higher than you can actually afford.
Now that you know what you need to know, you can put together an insurance plan that will save you the most money possible. So, go online and find at least three different comparison sites. Then, compare your dream car insurance policy with as many different insurance companies as you can.
Since no one website compares all of the insurance companies in this state, if you really want to get cheap car insurance online in Florida, you'll have to compare on at least 3 different sites. But once you've done that, you can rest easy knowing that you've found the best price for car insurance in Florida.
