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Shopping for Florida Auto Insurance? Here's What You Need to Know

Are you looking for the best rates for your auto insurance? While there are things you can't change when it comes to how much you pay each month, there are ways you can save on your Florida auto insurance. Carriers take into a variety of factors to determine your rate, like where you live, how often you, and even whether you are married or single.  Read on to find out how you can get the most savings without skimping on coverage.

 

Shop Around for the Best Auto Insurance       

For the most part, Florida auto insurance companies offer the same coverages, but each company has its own "appetite." Basically, that means they have an ideal customer they like to write.  Working with an independent insurance agent like S.E. Benchmark, means we do the legwork to ensure you get the best rate possible. No more going to multiple sites and entering your information over and over.

 

Slow it Down and Follow the Rules of the Road

Speeding ticket can raise your insurance rates for up to three years. Insurance carriers view drivers with a lead foot as, and you will pay significantly higher rates than those drivers without tickets.  It's a good idea to keep your eyes on the road and not your phone. Distracted driving can not only cost you insurance dollars, but it could also cost you your life. Avoiding accidents is a great way to keep your insurance costs down.

 

Skip the High-Performance Sports Car

Speaking of slow down, you may want to reconsider the fancy high-performance sports car too. Insurance companies have different rating classes depending on the type of car that you drive. Those rating classes are going to impact how much you pay for your car insurance significantly. Reasonably priced minivans, sedans, and SUVs are going to be the cheapest vehicles to get insurance for, which means that it could be time to get a new automobile. 

 

Consider a Higher Deductible

A deductible is the amount of money you pay before the insurance company kicks in their part to cover the damage from a claim. If you can, raising the deductible will help lower the monthly premiums. However, remember, it means you will pay more at claim time. Be sure to consider your budget carefully, but if you can increase the deductible, it could save you a couple of hundred dollars every year.

 

Pay Your Bills on Time

Many Florida drivers don't realize paying bills on time and raising their credit scores can have a significant impact on reducing their auto insurance premiums.

 

Still Have Questions?

Want to know more about Florida auto insurance or how you can save on auto premiums? Our knowledgeable and friendly auto insurance professionals are ready to answer all your questions about personal auto insurance. Give us a call today at (954) 371-0010. 

 

Need a SR-22 or FR-44 filing? We can help!

 

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