Auto insurance is a big deal in Florida. So serious that if you cancel an auto policy or if a company cancels your policy for any reason, the state finds out right away. If you don't replace the cancelled policy right away, your registration tags could be taken away almost right away, and it can take a long time to get them back.
Before driving a car on a public road in Florida, you should get the car insurance you need. Because of this, so many Florida drivers are eager to save money and get cheap car insurance.
The best place for most people to find cheap auto insurance in Florida is online. However, before you go online and start comparing prices at random, you should think about what you can do to keep your insurance costs as low as possible from the start.
To keep your rates as low as possible, one of the best things you can do is to always drive safely and legally. If you drive too fast or weave in and out of traffic a lot and get a ticket for speeding or any other moving violation, you can say goodbye to the best insurance rates.
A conviction for Driving While Intoxicated (DWI) or Driving Under the Influence (DUI) is even worse (DWI). If you are convicted of either of these crimes for the first time, your car insurance rates will go through the roof. If you are convicted again, you may not be able to get car insurance at all.
Before you buy a new car, you should talk to your agent. You might be surprised at how different car models have different insurance costs. When it comes to how much car insurance costs, not all new cars are the same.
You can save money on your insurance if you can park your car in a garage at night.
If you drive less than 500 miles a month, you may be able to get a discount on your insurance premium called a "Low Mileage Discount."
Is your car old and worth little or nothing, according to the Kelly Blue Book? If so, you can save money by dropping your collision and comprehensive coverage, since your insurance company won't pay you more than the Blue Book value anyway.
Are you a student under age 25? If so, you can cut about 5% off the cost of your insurance by staying in school and keeping a grade point average of at least 3.0. That should get you a discount for being a good student.
Many companies also give their drivers who are 55 or older the chance to take a special course to brush up on their driving skills. If your company offers this course and you pass it, your monthly bill could go down by about 10% if you take it and pass it.
If you raise your deductible, the price of your car insurance will go down. Be careful, though, and know ahead of time how you'll pay your deductible if you get into an accident.
With the information in this article, you should be able to set up an auto insurance policy that will save you as much money as possible. Now that you have your dream policy, it's time to go online and compare your dream policy with as many different auto insurance companies as possible.
If you want to be sure that you're getting the best price from the most insurance companies, you should compare prices on at least three different websites.
It's more work, but in the end, you'll know for sure that you saved money and got the best discount auto insurance in Florida that you could. That's a good feeling to have every month and every year.
