You need a car. If you need a car, you also need auto insurance. In the state of Florida, this is not a suggestion but actually a law. What you don’t need is to pay a lot of money to get the auto coverage required by the state. In fact, there are many ways you can make your Florida auto insurance incredibly affordable. If you feel you’re paying too much for your current car insurance, stop and take note!
#1 Shop around. The best way to find a low price on anything, from a car to shoes to even your insurance, is to shop around at multiple companies. Prices can vary wildly from company to company. Get at least three price quotes. You can call companies directly or access information on the internet. Just be sure you’re comparing the same coverage.
#2 Consider the car you drive. If you’re thinking of buying a new car, look into the insurance costs beforehand. A large portion of your auto insurance coverage costs have to do with the vehicle you’re driving. If you feel your auto insurance is far too high, it may be because you’re driving a fiery red sports car! The switch to a more sensible sedan could save you a lot each month.
#3 Select a higher deductible. Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your monthly costs substantially. For example, increasing your deductible from $500 to $1,000 could reduce the amount you pay each month by quite a bit.
#4 Maintain a good credit record. Most insurers use credit information to price auto insurance policies. Establishing a solid credit history will cut your insurance costs. This is because their research shows that people who effectively manage their credit have fewer claims. Pay your bills on time, don’t obtain more loans than you need, and keep your credit balances as low as possible.
#5 Drive safely. Beyond the car you drive, one of the biggest factors that goes into your auto insurance costs is your driving record. Safe drivers pay less! If you get a ticket or into an accident, it’s very likely that you’ll pay more for insurance. If you have multiple problems on your driving record or something major like a DUI, your costs will be much higher than a safe driver.
#6 Bundle all your needed insurance. You save money if you buy your homeowners and auto coverage from the same insurer. Many insurers will give you a break if you bundle. You can get a reduction if you have more than one vehicle insured with the same company or both your house and car. If you need more than one thing insured anyway, it just makes sense!
Now is the time to reach out to Pronto Insurance about lowering your Florida auto insurance costs. We make it easy to pay less each month for the coverage you need. Don’t wait another month!