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Want to find Florida discount car insurance? More and more people are searching for discounted car insurance in the Sunshine State. The fact is that Florida is one of the top 5 most expensive states for car insurance and many individuals are finding it harder and harder to come up with the money for something they need to have. The current economy is not helping the situation. It seems that everything, including Florida car insurance, is getting more expensive while more and more families are bringing in less and less money. Getting discounted Florida car insurance can help save you money on the premiums you pay.
Florida Discount Car Insurance: The Basics and Beyond
The Sunshine State requires carrying $10,000 coverage for personal injury protection and $10,000 property damage liability. This is because of the fact that the state has no-fault car insurance. In addition the car owner must be able to prove that he is financially responsible to pay for any accidents he is responsible for. The easiest way to do that is to take out bodily injury liability coverage in at least the state required minimum amounts of $10,000 per person and $20,000 per accident.
With Florida being the state with the 4th highest population in the country, many roads are an accident waiting to happen. Therefore, it is important to carry adequate insurance. The state minimums are far from sufficient. If you were involved in an accident the expenses could exceed those limits easily.
In addition, because tourism is the major industry in Florida, it means that there are a large number of drivers who may be from out of state and may not carry insurance or may be underinsured. For this reason it makes sense to carry uninsured/underinsured motorist coverage. The high number of tourists also means more people driving in the state who are unfamiliar with the roads and often even the rules of the road in this country. This fact also contributes to the high risk of accidents in Florida.
The Secret To Florida Discount Car Insurance
Practically anyone can get discounts on FL car insurance. The key is knowing how to get it. Almost every Florida car insurance company out there has discounts that they offer. Often agents will ask you questions to find out if you are eligible for such discounts, however there are many times that discounts are missed. If you remember to specifically ask your insurance company about the types of discounts they offer and what you can do to get a better price, chances are you’ll be able to save yourself some additional money on your FL auto insurance premium.
Some of the ways to get discounts on your FL car insurance rates include the following:
- Investigate the different payment options. Often by paying in full or opting for automatic deductions, you will save yourself money.
- Put your homeowner’s or tenant’s insurance and your car insurance with the same company. The insurer will give you a discount on each for having multiple lines of insurance with them.
- Ask about preferred rates for being a member of certain groups. Often union members, professional association groups, social groups and other groups can get discounts on their car insurance simply by proving they are a member.
- Ask about any other types of discounts they offer. Some companies offer unique and unusual discounts that few people are aware of, but by asking they will provide you with the information.
Finding Florida Discount Car Insurance Coverage
The absolute best way to find reduced Florida car insurance rates is to use a free online quote tool like the one above to get price quotes from multiple insurers at once. It takes minutes of your time to answer the questions the quote tool asks. Your information is then submitted to multiple companies serving your part of Florida. Before you know it, you’ll have a number of quotes to compare and choose from.
As you start to limit the possibilities, it is time to look at the individual FL auto insurance companies and which one is the best for you. Be sure to check out the financial strength of any company you are considering getting a policy with by getting their insurance rating from one of the independent insurance ratings companies like A.M. Best or Standard and Poor’s. If it is an A or better, you can feel confident that they will be around if you need to file a claim. You can also check each company’s complaint frequency through the state’s department of financial services website. It is a good indicator of how well or poorly a company cares for its clients.
Get started now using a free quote tool and find the best Florida discount car insurance to fit your budget!