If you’re looking to get the cheapest auto insurance in Florida, it can be challenging to navigate your way through all of the companies out there and determine which one will give you the best deal on coverage. After all, it’s always tempting to go with the most expensive company because they’ll theoretically offer you the most protection. But that’s not always the case. Here are 5 tips to get you started on getting the cheapest auto insurance in Florida!
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1) Check for discounts
If you’re looking for cheap auto insurance in Florida, keep these tips in mind. Shop around: It pays to check more than one auto insurance company before deciding where to buy auto insurance in florida. Different companies offer different rates and plans, so it’s important that you understand all of your options before making a decision. Ask questions: You should have many questions for an insurer before signing up for coverage.
2) Compare quotes from multiple companies
As with any large purchase, it’s best to shop around and compare quotes from a few different companies. Don’t just look at prices; check out each insurer’s track record for customer service and claims handling. And be sure to ask about discounts you might qualify for, including safe-driver and multi-policy discounts. You may not know you qualify for a discount until you ask!
3) Have your credit checked
Comprehensive and collision coverage are typically only necessary if you have a lien on your vehicle, meaning you owe money on it. If you don’t have a lien, you can opt for liability insurance or not buy insurance at all—it’s totally up to you. As for comprehensive and collision? It’s recommended that anyone buying a car first get its history checked before paying out big bucks for these optional coverages.
4) Let the insurance company check your driving record
By law, all auto insurance companies are allowed access to your driving record. If you’ve had any accidents or tickets, it will be reflected on your report. This may affect how much you pay for coverage. Ask your agent about what you can do to lower your premium, such as getting an SR-22 certificate or taking a defensive driving course.
5) Add an anti-theft device
Anti-theft devices can save you from having your car stripped and sold off piece by piece while you’re out at lunch. If your car is already equipped with an anti-theft device, check to see if it’s up-to-date. Many policies require that you maintain a current alarm or immobilizer on your vehicle. If yours is up for renewal, make sure it will pass inspection before it expires.
