As most people are aware, if you put the words “Car Insurance in Florida” into any search engine you will find literally dozens of websites that allow you to make fast and easy comparisons of prices for car insurance between a wide range of insurance companies. These sites are wonderful.
However, before you start making comparisons it would serve you well to know exactly what it is you’re comparing. In other words, you need to have a policy in hand before you start making comparisons or your comparisons will be meaningless.
And it really helps if you can put together a policy that is specially designed to save you money even before you make your comparisons. That way the extra savings that you’ll find when you compare prices among the different companies will really put a smile on your face.
Start with your own driving record. Do you drive safely and legally at all times? If not, you’ll need to change your ways if you want to get the cheapest car insurance around since even one speeding ticket or other moving violation will cause your rates to go up.
If you have a DUI or a DWI conviction your rates will skyrocket and remain high for 3 years or even longer. If you have a second DWI or DUI conviction you’ll be scrambling to find insurance in the high-risk pool at whatever rate anyone asks of you.
Do you have other insurance policies with the same company?
Do you have a homeowner’s policy, or a life insurance policy or a health policy with the same company? If so you probably qualify for a Multi-Policy Discount.
Have you been insured by the same company for at least 5 years? Then you almost certainly qualify for a Long-Term Discount on your car insurance every single month!
Do you have a garage that you can park your car in at night? If you can park your car off the street you should qualify for a discount.
Do you drive less than 500 miles each month? If you do you should check into getting a Low-Mileage Discount.
If you’re under 25 and still in school and you are maintaining at least a 3.0 grade average then you’re due about a 5% Good Student Discount on your insurance.
If you’re married it may pay you to put the wife on the policy as the primary driver and the husband as the secondary driver since women tend to have fewer accidents and so qualify for a lower rate on their insurance each month.
If you’re 55 or older you should ask if you qualify to take a driver’s refresher course. Passing such a course can save you 10% every single month on your car insurance.
If you drive an older car or a junker that has no Kelly Blue Book value then don’t waste even one more penny paying for comprehensive and collision coverage for your car. Cancel those two parts of your insurance coverage and save that money to buy a newer car.
Can you afford to pay a higher deductible? Be careful how you answer this question, because the larger of a deductible that you can afford the lower your monthly car insurance premium will be – but by the same token the larger your deductible the more cash you have to pull out of your own pocket any time you have a claim. Don’t commit yourself to paying a higher deductible than you can actually afford.
Now you have the information you need to put together an insurance policy that will save you the most money that it’s possible for you to save. So get online and find at least 3 different comparison websites and make head-to-head comparisons of your dream car insurance policy with as many different insurance companies as you possibly can.
Since no one website compares all of the different insurance companies operating in this state, if you really and truly want to get cheap car insurance online in Florida you’ll have to make your comparisons on at least 3 different sites – but the bottom line is, once you have made your comparisons you can rest comfortably knowing that you have grabbed the very best price for car insurance that you’ll ever find here in Florida.