How To Get Cheap Car Insurance In Florida

You can do it! You can find cheap car insurance in Florida simply by following the steps below. These steps have helped me, my family and friends save a few hundred each year and I’m sure these steps will help you save too.

Step 1

When going into battle (for cheap rates) you must know your opponent. No, it’s not the insurance company. Your true enemy is risk. Risk is what causes your rates to sky rocket – or go down. That’s right. If you show the insurance companies you carry less risk than most drivers, you’ll spend less than most drivers.

How to show insurance companies you are low risk.
1) Driving safe will always help.
i) Pay attention to signs
ii) Take a driving course after a ticket to learn more, and avoid points
iii) Light turns green – look both ways (there are a lot of red runners out there)

2) Driving a safe vehicle
i) sports cars are built for speed
ii) large trucks can cause a lot of damage
iii) some older cars lack safety features

3) If you show responsibility in other ways, chances are you’re responsible with driving
i) Good Grades
ii) Responsible Job Position
iii) Homeowner
iv) Good Credit

Step 2

Know how much coverage you need. How much do you risk losing in the even you’re negligent in an auto accident. Let’s say you seriously injure the bread winner of the family. This person may be in a body cast for 3 months. If your insurance doesn’t cover the medical bills or this family’s loss of income, will they hire a lawyer in an attempt to go after your assets?

Buying a little extra coverage is cheaper than you think. To buy double the required auto liability coverage, it may only cost you an extra $5 a month. $5 a month is cheap for an extra $55,000 of liability coverage.

Step 3

Once you know how much coverage you want, compare quotes from several companies. The truth is, different companies target different drivers. MetLife auto and home is known for targeting seasoned drivers while Progressive targets a younger crowd. Age is only one factor insurance companies use to determine rates. The easiest way to find the cheapest insurance in Florida is by comparing quotes between multiple agents and companies serving Jacksonville, Miami, Tampa and surrounding areas near you.