Florida is serious about automobile insurance. So serious that if you cancel an auto policy or a company cancels your policy for any reason, the state is immediately alerted. If you don’t replace the canceled policy immediately, your registration tags can be canceled almost at once – and getting the tags reinstated can be time-consuming.
The moral here is to buy the necessary automobile insurance before driving a car on any public road in Florida. Many drivers are anxious to save money and get discount automobile insurance in Florida.
The best place for most people to find discount automobile insurance in Florida is online – but before you jump online and start randomly comparing prices on policies, it would serve you well to consider some of the things you can do to help keep the cost of your insurance as low as possible right from the start.
One of the best things you can do to keep your rates as low as possible is to drive safely and legally at all times. If you drive too fast or make a habit of weaving in and out of traffic and are ticketed for speeding or any other moving violation, you can kiss the lowest rates for your insurance goodbye.
Even worse is a conviction for Driving Under the Influence (DUI) or Driving While Intoxicated (DWI). The first conviction for either offense will send your automobile insurance rates skyrocketing. A second conviction will allow you to get automobile insurance at any price.
If you’re about to buy a new car, talk to your agent first. You might be surprised at the difference in the cost of insurance between different models of cars. Unfortunately, not all new cars are created equal when it comes to the cost of automobile insurance.
If you can keep your car in a garage at night, you can save on your insurance.
If you drive fewer than 500 miles monthly, you probably qualify for a Low Mileage Discount on your insurance premium. Is your vehicle an older model with little or no Kelly Blue Book value? If so, you can save money by canceling your collision and comprehensive coverage since your insurance company will not pay you more than Blue Book value. Are you a student under age 25?
If so, you can trim close to 5% of the cost of your insurance simply by staying in school and maintaining at least a 3.0 grade point average. That should qualify you for a Good Student Discount. In addition, many companies offer drivers 55 or older the opportunity to take a special driver’s refresher course. If your company offers this course and you pass it, you can see a close to 10% reduction on your monthly bill.
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Increasing your deductible will decrease the cost of your automobile insurance. Be careful, however, and know how you will pay for your deductible ahead of time should you be involved in an accident. With the information in this article, you should structure an automobile policy that will save you as much money as possible. With your dream policy in hand, it’s now time to go online and compare your dream policy with as many different automobile insurance companies as possible.
To feel confident that you see the best price from the greatest number of insurance companies, you must make your online comparisons on at least three different websites. It’s extra work, but the bottom line is that you will know for certain that you have saved money and gotten the best discount automobile insurance in Florida that you possibly can, and that will be a good feeling month after month, year after year.
