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How To Save Money And Get Discount Automobile Insurance In Florida

January 17, 2013 by  
Filed under Finance

Florida is serious about automobile insurance. So serious that if you cancel an auto policy, or if a company cancels your policy for any reason, the state is immediately alerted and 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 you drive a car on any public road in Florida. That’s why so many drivers are so 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 simply drive safely and legally at all times. If you drive too fast or make a habit of weaving in and out of traffic and you are ticketed for speeding or for any other moving violation then you can kiss the lowest rates for your insurance good-bye.

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 and you’ll be lucky 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. When it comes to the cost of automobile insurance, not all new cars are created equal.

If you can keep your car in a garage at night you can save on your insurance.

If you drive fewer than 500 miles each month you probably qualify for a Low Mileage Discount on your insurance premium.

Is your vehicle an older model, one 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 in any event.

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.

Many companies also offer their 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 reduction of close to 10% on your monthly bill.

Increasing your deductible will decrease the cost of your automobile insurance. Be careful, however, and know ahead of time how you are going to pay for your deductible should you be involved in an accident.

With the information in this article you should be able to 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 make your side-by-side comparisons of your dream policy among as many different automobile insurance companies as you can.

In order to feel confident that you are seeing the best price from the greatest number of insurance companies you will need to make your online comparisons on at least 3 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.

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