Best Car Insurance Coverage – Tips on How to Find the Best Car Insurance Coverage

Q: How can I get the best car insurance Florida has to offer? I am looking for a reputable company with the lowest price available. Thank you.

A: We do not endorse specific auto insurance companies because we want to remain objective while answering your questions. The easiest way to find the best car insurance Florida has to offer is to do your research. Call as many places as you can think of. After calling the big places try smaller, local, insurance companies.

When asking for a car insurance quote do not make the mistake of saving a few bucks a month if you are going to be held liable for a huge payout in case of an accident. Purchase as much insurance as you need to cover your assets in case of an accident and not just the cheapest insurance policy you can find.

As far as the best car insurance company in Florida goes, I would suggest there are probably several. Since insurance is such an individualized business the best company for you may not be the best one for your neighbor. For instance if Company A offers accident forgiveness, a low annual mileage discount, and a safe driver rebate, and Company B does not then even if Company B has the lower up-front price it will be more expensive in the long run.

One of the best pieces of advice that we can provide you with is to get online and compare quotes from several top rated automobile insurance providers. This will allow you to compare coverage and ensure that you receive the highest quality coverage at the lowest cost.

How to Get Affordable Car Insurance in Florida

Whatever you do, don’t try driving a car in Florida without insurance. The state of Florida keeps track of every vehicle registered in the state and the moment one of those vehicles is uninsured the state is notified. The penalties for driving without insurance can be severe and the risk simply isn’t worth it.

It is much better instead to simply find affordable car insurance – and, fortunately, that is possible for most Florida drivers.

If you want to keep your car insurance rates low then you’re going to have to do your part by driving safely and within the law at all times. If you get a speeding ticket or any moving violation then you’re not going to get the lowest possible rates on your insurance.

Even worse is a conviction for Driving Under the Influence (DUI) or a conviction for Driving While Intoxicated (DWI). A first conviction for either of those offenses and your car insurance rates will go sky-high. If you are convicted of a second offense you will be scrambling to get any car insurance you can in the high-risk insurance pool at whatever price they want to charge you.

A few positive things you can do to keep your car insurance rates low are to keep your car in a garage at night, keep the number of miles you drive each month to a minimum, stay in school and get good grades if you’re under twenty-five, and talk with your insurance agent about any unadvertised insurance discounts that you might be entitled to.

Another quick way of reducing your monthly insurance premium is to increase your deductible. Your deductible is the amount you agree to pay out of your own pocket before you ask your insurance company to pay anything whenever you have a claim. Consider carefully how much you can realistically afford to pay before you raise your deductible too high.

So now that you know all the tips and tricks for creating a car insurance policy that will save you the most money, it’s time for the final step – it’s time to go online and find several of the websites that allow you to make quick and easy comparisons of the prices you will pay for your dream policy at various insurance companies.

Keep in mind that since no one website compares all of the different insurance companies operating in Florida that you will want to take the extra time to make your comparisons on at least 3 different websites.

Cheap Car Insurance In Florida – 6 Things That Will Help You

If you really want cheap car insurance in Florida, then you have to ensure you have or do most of the following…


Make sure you get a car that has safety gadgets. Since they will make you and your vehicle safer they are thus seen as better risks by insurers. Those cars will get cheap car insurance in Florida.


Use the public transport system anytime you can. Your mileage is an important factor in working out your risk to an an insurance company. The more time you spend behind wheels the more your risk to an insurer.


Insurance companies have special driving courses that are designed to improve your driving. Take courses in defensive driving. In addition to making you drive better, it will help you get cheap car insurance in Florida.


You are advised to try your best to have an impressive credit record. The reason for this position is truly very obvious to people who have business transactions people…

Not a good number of things say more about a person than how they deal with their bills. If you have a really poor credit record, an insurance company will definitely picture you as a high risk.


Ask for higher deductibles. Raising your deductible lowers your car insurance premium. Just bear in mind that you would have to pay that sum first before any insurance company does anything if you ever file a claim.


You will increase your chances of getting cheap car insurance in Florida if you obtain and compare quotes from quotes sites. You will make savings if you visit just one of such sites. But, you will get better results by using at least three. The simple logic in this is that you will obtain a greater number of quotes from a wider range of insurers. This offers you a broader basis for doing more thorough comparisons thereby increasing your chances of enjoying cheap car insurance in Florida.

How to Save Money and Get Discount Car Insurance in Florida

You must have car insurance if you intend to drive your vehicle on any public roadway within the state of Florida. Driving without insurance carries severe legal consequences and can result in your inability to easily obtain a permit for a vehicle in your name for a minimum of three years.

At the very least you must buy liability insurance in the state of Florida.

The minimum amount of liability insurance that you must carry in the state of Florida is $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL).

Many insurance policies are set up to offer a slightly different minimum coverage. $10,000 bodily injury to any one person injured in an accident that is your fault, with a maximum of $20,000 in medical payments for any one accident, plus your liability insurance must at the very least provide for $10,000 in Property Damage Liability (or PDL). This is commonly abbreviated as 10/20/10.

Liability insurance does not cover the repair or replacement of your vehicle, nor does it cover the medical payments for you or anyone in your vehicle should it be determined that you are at fault in an accident.

Taking current medical costs into consideration, as well as the cost to repair or replace even a moderately-priced vehicle, the state minimum coverage required in Florida could easily leave you still owing a considerable amount of money should you be involved in an accident.

It may be in your best interest to purchase more than the minimum required car insurance and fortunately there are steps you can take to save money and get discount car insurance in Florida.

Start by driving safely and lawfully at all times. If you receive a ticket for speeding or for any other moving violation you can count on your car insurance rates going up. If you are convicted of Driving Under the Influence (DUI) or of Driving While Intoxicated (DWI) your insurance rates will skyrocket. A second DUI or DWI conviction and you may be forced to find insurance in the high-risk pool – at a cost that will make you dizzy!

Is your car garaged at night? If so you may be entitled to a discount on your insurance.

Do you drive fewer than 500 miles each month? If so you may be entitled to a Low Mileage Discount.

Do you have more than one insurance policy with the same company? Do you also have a homeowner’s policy, or possibly a health insurance policy with the same company? If so you may be entitled to receive a Multi-Policy Discount on your car insurance.

Have you been insured with the same company more than 5 years? If so you may be entitled to a Long-Term Discount.

If you are under 25 and still in school and you maintain at least a “B” grade average then you should be entitled to at least a 5% discount on your car insurance through a Good Student Discount.

If you are at least 55 years old and you take and pass a special driver’s refresher course you should qualify for at least a 10% discount on your monthly car insurance premium. Not every insurance company offers this discount so check with your agent to see if you can qualify.

If your car is an older model and has very little or possibly no remaining Kelly Blue Book value then you can save considerable money each month by canceling your collision and comprehensive insurance since your company will not pay off on those coverages anyway.

How large of a deductible can you afford? Answer this question carefully, because the larger the deductible you can afford then the lower your monthly premium payment will be – however, the larger your deduction the more cash you will have to supply out of your own pocket should you have a claim.

All right, you should now be armed with enough information to create a car insurance package that you can both live with as well as afford. Now it’s time for you to get online and start comparing car insurance policies and their prices.

Be sure that you take the extra time necessary in order to compare prices on a minimum of at least 3 different websites. This is because no one comparison site actually compares all of the companies issuing car insurance in Florida. If you take the time to make comparisons on at least 3 different sites then you can rest easy, knowing that you really and truly have saved money and gotten the best discount car insurance available in Florida.