Finding good auto insurance in Florida is not an easy proposition. There are tons of companies vying for your attention, and choosing the right one is often an arduous task. However, it really is not as hard as you might think. Here are five tips for helping you find the best firm and save money at the same time:
#1) Go with a respected company
The better firms will always be in good financial condition. There are many companies in the state of Florida, and it is no secret that a lot of them are struggling to stay afloat. Therefore, make sure you go with a company that will still be in business when it comes time to file a claim. There is no reason to save money by going with a shaky company, because you will likely never see your claim money.
#2) Use internet brokers
This tip is thrown around a lot, but it really does save you time. Avoid going to each insurance site individually. When you use a third party broker, all you have to do is fill out the form one time, and you are immediately given a number of quotes. The only alternative is to fill out the same exact form again and again at each individual site, which obviously is not practical.
#3) Get a cheap car
This might be the most important thing you can do to instantly knock down the price of your auto insurance in Florida. The two main variables that affect how much you pay are the kind of vehicle you drive, and your driving record. There is little you can do to improve your record immediately.
However, getting a cheap car will make a huge short-term difference, because inexpensive vehicles are less dangerous for the firm to insure. After all, if something happens to a $1500 car, it is much less damaging to the company than if you crash a $200,000 Ferrari.
#4) Pay a high deductible
The higher the deductible, the better off you are. This is the same as making a larger down payment on a home loan. Companies like people who are willing to pay more money, because it reduces what they have to pay in the event of a claim. just like getting a cheap car, this basically is minimizing the risk to the insurance firm.
#5) Drive carefully
No article on insurance could be finished without this important tip. This will minimize your accidents and traffic violations, both of which play a huge role in your premium.
Conclusion-paying top dollar for good auto insurance in Florida is not necessary. Implement these tips, and you will find the right firm while saving money in the process.
by: Todd Meyers
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