Making the Most of Auto Insurance in Florida

How to stretch your dollar when shopping for Florida car insurance

Whether you have just moved from a different state and need to find Florida auto insurance, or simply want to switch insurance providers, you will need to do some research to find the best deals. This is especially important if you need to insure a fleet of company vehicles.

There are many ways get the most for your money when checking out car insurance in Florida. The following are just a few tips:

1. Get Florida auto insurance coverage even if you do not have a perfect driving record.
2. Obtain uninsured motorist coverage for a small amount of money.
3. Take advantage of possible discounts from Florida auto insurance agents.
   

 

Obtain Florida automobile insurance without a spotless record

If you have a few blemishes on your driving record, such as accidents or moving violations, you might think you can never get auto insurance, let alone a good deal. However, when it comes to car insurance, Florida does have a good selection of companies that give a second chance to motorists with a few past mistakes years ago.
Try: GEICO offers accident forgiveness for those who have not had an accident in five years, meaning that the company will not increase your premium if you have an at-fault accident. Nationwide requires customers to be accident-free for the past three years to be eligible for the accident forgiveness program.

Make sure to ask about uninsured motorist coverage when requesting a Florida car insurance quote

If you are hit by a driver who does not have insurance, you will typically have to pay for any damage with your own wallet. Avoid this issue by paying the few extra dollars per month to obtain uninsured motorist coverage. The small amount of money is worth the extra peace of mind.
Try: Allstate offers uninsured motorist coverage, as does Progressive.

Find out discounts you qualify for before obtaining car insurance in FL

Many insurance companies in Florida offer a myriad of discounts. The most difficult part of the process is figuring out what discounts you qualify for. Depending on the insurance company, you can save money when you insure more than one vehicle or piece of property with the same company, have no accidents for many years, take a defensive driving course, possess an anti-theft device, or have a car with safety items like anti-lock brakes. Many companies even take your age into consideration when figuring out discounts.
Try: State Farm offers several discounts that you could be eligible for, from a multiple line discount to one that requires you simply completing a safety course. Esurance offers a similar array of discounts, including some having to do with the driver's occupation or age.

 

• Many insurance companies in Florida combine uninsured coverage with underinsured motorist coverage. The latter protects you against those drivers who do have some insurance, but not enough to cover their accident with you. It is often cost-effective to obtain both types.

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