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cheap auto insurance in Florida
This is my site Written by on October 3, 2011 – 8:34 pm

How to Get Cheap Auto Insurance in Florida

Auto insurance is very important and you have to get it in order to drive or keep your vehicle.  This does not mean you have to spend a fortune on it, however.  You can find cheap auto insurance in Florida if you understand what you are looking for and what you can do to keep your rates low enough to afford.

There are many ways to get cheap auto insurance in Florida and you just have to know what you can use to your advantage.  Imagine if you could save a few hundred dollars every six months on your insurance.  This could be extra savings or could help you to afford a better vacation every single year.  Here are some tips to help you save on your Florida car insurance.

A Few Top Tips for Getting Cheap Auto Insurance in Florida

1.  Florida Department of Financial Services Website

If you visit the website for the Florida Department of Financial Services you can learn about the minimum required coverage for your insurance, any news or updates to Florida car insurance, and you can get a list of companies that can provide you with cheap auto insurance in Florida.  This can give you a very good starting point for your search.

2.  Coverage

One of the easiest ways to keep your insurance premiums down is to adjust your coverage.  If you choose the state minimum coverage you will pay much less than if you decide to get comprehensive and collision coverage.  Also, things like rental car coverage, towing, road side assistance, and some other unnecessary coverage can add up in a hurry.

You may not have much of a choice when it comes to coverage if you have financed your vehicle.  Make sure you check with your finance company to find out what type of coverage they expect you to carry.  In this situation you may also want to consider gap coverage in case you get into an accident and they vehicle is totaled.

3.  Deductible

Your deductible will also make a difference in how much you pay each month.  If you choose a higher deductible you can save money on your insurance each month.  However, you have to make sure the deductible is affordable or you could end up in an accident without being able to pay the amount of your deductible.  This is not a situation you want to be in.

4.  Safety Devices

If you choose a vehicle with automatic seat belts, airbags, anti-theft devices, and other safety features you will most likely get a break on your insurance premiums.  Most of the companies that provide cheap auto insurance in Florida will gladly extend a bit of a discount if your vehicle has some of these safety devices.

5.  Bundle your Coverage

Those needing more than just auto insurance can bundle their homeowner’s, renter’s, life, health, and other insurances for a discount.  If you carry more than one policy with the same insurance

company they will normally give you a break on the entire package of insurance policies that you need.  This is an easy way to save a little money on your insurance.

There is a specific balance you need to find when considering cheap auto insurance in Florida because the company makes a difference as well.  The last thing you want to do is choose a company that charges you a few dollars less each month, but cannot provide you with the necessary service you need when you make a claim.

This happens quite a bit and you will want to search online for reviews about the company you are considering.  This will help to keep you away from the companies that others have had issues with.  Getting into an accident is never fun and the last thing you need is to go with cheap auto insurance in Florida that is just not all that good on the service standpoint.

Here are 5 tips to find Florida auto insurance


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