Drive Safe: How to Choose Auto Insurance in Florida

May 23, 2019

As we speak, approximately 15 million drivers are zipping along Florida’s lanes and roads. That’s a lot of cars, which obviously means a lot of insurance… speaking of which, are you wondering how to choose auto insurance?

If you are, you’re in the right place. In the unfortunate event, you suffer an accident; you’ll appreciate having a good insurance policy. So we’ve listed a few top tips for choosing the best possible coverage

Let’s get to it!

What’s Auto Insurance?

Before we discuss specific techniques for selecting the best possible auto insurance for you, it’s essential to understand what auto insurance actually is.

In short, auto insurance is just a policy you can rely upon to compensate you against the fallout of specific scenarios (usually theft and traffic accidents). 

Top Tip: You’ll need to read through your policy in detail. This is the only way to understand precisely what you’re entitled to. Insurance varies from company to company and even policy to policy- so don’t get caught out!

It’s inevitable accidents happen, and it’s your insurance policy which keeps your bank balance stable in the event of a crash, but you need to be careful not to overpay for your coverage!

So here are a few things to consider… 

1. The Type of Car or Vehicle

The price of auto insurance policies dramatically varies depending on the type of car you own. If you have an old car, check to see whether its value is worth ten times the cost of the insurance premium.

Otherwise, it may not be cost-effective to purchase comprehensive coverage. You’ll also want to ensure you get a like for like comparison.

After all, this is the only way to establish the best possible quote for your specific vehicle- which brings us onto our next point…

2. Get Numerous Quotes

Like we’ve already said, it’s surprising how insurance premiums vary from company to company.

You can make an incredible saving by shopping around to see who offers the best value for money. To do this, gather multiple quotes from different insurance companies.

See what they’re willing to provide as part of their service and don’t be afraid to haggle! However, bear in mind the cheapest option isn’t necessarily the best.

The first thing to do while gathering quotes is to make a list of various auto insurance companies with a reliable reputation for settling claims.

Ask your friends and family for recommendations. Their personal experience of being a customer is a valuable insight before you commit any of your cash!

Spend time looking at each of the insurance company’s reviews and focus in particular on their complaint ratio (this stat highlights how many complaints they’ve resolved).

Contact them and ask about their prices for their most comprehensive coverage for your vehicle. When speaking to the insurance company ensure they address your questions directly- don’t let them steer the conversation or take you off on a tangent!

Here at HH Insurance, we make collecting quotes incredibly easy. Our brilliant tool allows you to gather quotes online in a short space to ensure you get the best possible deal.

3. Discounts

When selecting auto insurance, it’s essential to consider what discounts are available to you. The price of your insurance premium is affected by various factors, for example-

  • Gender
  • Driving history
  • Age
  • Features your car has (for instance, having an anti-lock braking system and airbags might entitle you to a discounted price!)

Top Tip: Ask each insurance company what discounts are available for you. For example, they’re likely to offer student and military discounts.

Plus, if you haven’t had an accident within the last year, you may also be entitled to a safe driver discount. Also belonging to safety clubs such as the AAA could allow you to a discount- so be sure to explore all these possibilities!

4. Payment Methods

It’s common for individuals to save money on their auto insurance bills by paying once every six months (rather than every month).

Its estimated individuals save roughly around 2% by paying their insurance policy this way. After all, every little helps! Another potential money saver is paying for auto insurance by the mile. So, check whether this option is available to you.

This is a potential money saver (especially if you don’t drive a lot!) You may even find this scheme prompts you to drive less, which not only means you’ll save money on insurance, but you’ll also spend less on gas too.

The stats speak for themselves, drivers with these kinds of policies tend to reduce their mileage by as much as 10%.

4. Finally, Drive Carefully

It sounds apparent when you say it out loud, but if you drive safely you’ll save money! Avoid getting driving tickets and accidents, and your insurance premiums should remain consistently low.

You can reduce your costs further by plugging a device into your car that monitors your driving for a few months. This proves to insurers you’re a safe driver and therefore not as much as a risk to provide coverage to. As such, they’re far more willing to lower their fees.

Do You Now Have a Better Idea of How to Choose Auto Insurance?

We hope the above advice gives you a better idea of how to choose auto insurance that meets your individual needs. already

If you need any further information on the subject, then please don’t hesitate to contact HH Insurance. No question is too big or too small for our team of pros Speak soon!