By Larry Nez
The Internet makes comparing and finding the cheapest automobile insurance in Florida a snap – or, more accurately, a simple click of the mouse. Several dozen different websites offer you the ability to compare prices among a variety of different insurance companies so that you can quickly and easily find the automobile insurance policy that's right for you at the best possible price.
However – before you simply get online and start entering information onto comparison websites, it would pay for you to create a "dream" automobile insurance policy so that you can compare the same policy on each site.
Keep in mind that each of the following ways to lower your automobile insurance premium can all be combined – which means you can use more than one suggestion and add the savings together!
The biggest thing you can do to keep your automobile insurance rates their lowest is to drive safely and legally. By that I mean no speeding or other moving violations and definitely no DUIs or DWIs. Even one DUI or DWI conviction and you can kiss cheap automobile insurance rates good-bye for at least 3 years –a second such conviction and you'll be tossed in the deep end of the high-risk insurance pool without a snorkel.
Do you have other insurance policies – such as a life insurance policy, or a home owner's policy or a health insurance policy –with the same insurance company? If so ask about a Multi-Policy Discount on your monthly premium.
Have you been with the same insurance company for a while now? If it's been 5 years or longer it's time you asked about a Long-Term-Policy Discount.
Do you drive fewer than 500 miles a month on average? If you do then there's no reason for you to pay full price for your automobile insurance – ask your agent about a Low-Mileage Discount.
Do you keep your car in a garage at night? If so you could get a really nice discount; talk to your agent.
If you've added any anti-theft devices to your car you need to ask your agent if any of them help to reduce your monthly automobile insurance premium. you're under 25 you know how expensive your monthly premium is. You can trim it by about 5% if you stay in school and can maintain at least a 3.0 grade point average. You should talk to your agent about a Good Student Discount.
Do you drive an older car? A junker? If your automobile no longer has any Kelly Blue Book value then you'd be a fool to continue paying for collision or comprehensive insurance since your insurance company will max-out any payment to you at the Kelly Blue Book value of your vehicle.
Are you an older driver, say 55 or older? If so you have probably noticed your premium edging upward. You can give it a sharp jolt back down if you take – and pass – a special driver's refresher course. Unfortunately not every insurance company offers this discount so you'll have to check around.
What about your deductible? Think about it carefully and decide on the maximum amount you would feel comfortable paying out of your own pocket anytime you make a claim. The more you're willing to cough-up out of your own pocket, the less your insurance company will charge you each month.
Using the suggestions in this article it's now time to fashion a dream automobile insurance policy that's designed from the ground up to cost you as little as possible – and then we're going to jump online and get the absolute cheapest automobile insurance quote we can possibly find.
Just remember that if you really and truly want to get cheap automobile insurance online in Florida you'll need to compare prices on your dream policy on at least 3 different websites –but once you've done that you should be able to grab hold of the best price you can find and feel confident that you really and truly have gotten the cheapest automobile insurance online that you can possibly find in the state of Florida.
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