4 Successful Ways to Find the Cheapest Auto Insurance in Florida

January 22, 2020

If you live in Florida or are moving to Florida, it helps to remember that Florida is a “No-Fault” insurance state. This bit of information is especially useful to anyone who owns a vehicle and is looking for automobile liability insurance. Finding the cheapest Auto Insurance in Florida is necessary if you don’t want to end up overpaying for car insurance. You don’t have to break the bank to find dependable yet cheap auto insurance. Here are 4 steps to find the best and most affordable auto insurance in Florida.

1. Compare Quotes on a Reliable Auto Insurance Comparison Website

Every insurance company that offers auto insurance prices their auto insurance differently. To find the cheapest auto insurance in Florida requires a bit of research. Compare auto insurance prices online. Or, if you prefer to, review the various options available with an agent who has knowledge of the different types of auto insurances available and which companies offer the best prices.

2. Understand the Factors that Affect Auto Insurance Rates

The premium that you are required to pay on auto insurance will to a large part depend on the type of risk an insurance company will be taking with you. Your personal information and claims data will be used to assess this risk.

Keep in mind that Floridians pay some of the highest auto insurance rates in the United States. Some of the factors that affect the cost of an annual premium depend on where you live, driving records, the number of uninsured drivers, credit scores, and previous insurance claims filed.

3. Look for Insurance Companies that Let You Pay in Advance

Many auto insurance companies allow you to pay your policy in bulk. Paying the full amount in advance, and online has its own advantages in these companies as they offer you a good discount for going paperless and paying in advance. While it might not amount to much, these are small savings that add up to big savings.

4. Don’t be Afraid to Ask for Discounts

Before you switch to a new auto insurance company/carrier, ensure that the new offer is a better deal. Personal factors can affect your auto insurance rate. For example, a change in location, getting older, improving your credit score, and even getting married can all affect your auto insurance. Take all these factors into consideration before switching your auto insurance carrier.

A lot of Florida auto insurance carriers offer discounts to loyal customers. Find out if there is anything you can do to ensure you get a cheaper auto insurance – for example, demonstrating save driving behavior can get you an additional discount. Other discounts that are offered include: good student, multi-car, multi-line, low-income, anti-theft devices, accident-free, anti-lock brakes, and senior citizen discounts.

Nobody wants to overspend on auto insurance, and it isn’t always obvious how you can get the cheapest auto insurance – especially in Florida, which currently stands as the third most expensive state for auto insurance. But with a bit of research, you can get great coverage with the cheapest auto insurance in Florida. Finally, don’t shun smaller car insurance companies that are vying for your business and are willing to give you the best rates on your auto insurance.