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Cheap Florida Car Insurance Rates How to Find the Cheapest FL Auto Insurance Policy

 


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Florida residents all want to find a cheap Florida car insurance policy but with so many different auto insurance companies offering coverage in FL how can one know which policy to choose? The task of finding cheap Florida auto insurance rates is not an impossible one. There are a number of different ways to find low cost FL auto insurance including the utilization of discounts, keeping your driving record clean, and maintaining good credit among other things.

With the rise in the number of vehicles operating in the roads of the United States one can only predict that automobile insurance rates will rise. This is simply due to the fact that more cars will bring about more accidents or even a higher risk of accidents. Many states are debating about their insurance minimum requirements and what they must do to prevent the rise in automobile insurance rates, simply because most people will not be able to afford them.

Florida, like most states in the country has been seeing an increase in population since the year 2000. Statistics from the U. S. Census Bureau estimate the “Sunshine State" now has a population of 18,089,888 people, a rise of 13.2% from 2005 to 2006. The state is not big when it comes to surface area, but people are moving to it more than ever and cities have become more and more crowded.

People living in big cities should expect their auto insurance rates to increase simply because they will be in the middle of traffic jams and because millions of cars will be on the roads increasing the risk of car accidents. Not only that, but theft rates might also increase due to the fact that there might be an increase in crime. Whatever happens is still to be seen and the important thing is that a person residing in the state still has the chance of getting cheap automobile insurance if they shop around and do the right things.

Florida like any other state has automobile insurance minimums for any person that decides to drive a motor vehicle. One thing of note is that the “sunshine state" is also a no-fault state. This means that Florida requires a driver to have car insurance for their own protection, while placing limitations on their ability to sue the other driver in the event of an accident. This is personally good because it avoids long term processes and court fees that can result after a wreck.

It also means that in case of an accident you will have to go to your own car insurance so they can pay for your damages regardless of who is at fault in the accident. Even if the car accident is not your fault (an example would be when you get rear-ended) your insurance company will still have to take care of the expenses. The other driver (or drivers) involved in the wreck, will also have to go to their own car insurance company in order to pay for their damages.

Even though Florida is a No-Fault state, they do have requirements about the minimum auto insurance coverage a driver must have. If you want to get behind the wheel of a motor vehicle in the state of Florida you must have at least $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage. It is of note that Bodily Injury coverage is not required, but it is important to have in case of an accident.

For cheap automobile insurance in the state of Florida a person can get the simple minimum coverage that the state mandates. However, one has a big risk of not purchasing Bodily Injury in case of an accident. For this reason the best thing to do is to get some sort of Bodily Injury along with the minimum requirements that would give any person a cheap rate when it comes to automobile insurance.

Another thing to consider is to get a higher deductible in the policy. A higher deductible leads to higher out of pocket costs after al accident, but it will mean lower premium rates monthly. Another thing that might help some people (not those who are leasing or still making payments on a car) would be to just drop their collision and comprehensive coverage. This will also lower your insurance rate.

Lastly it is important to talk about some of the discounts that Florida drivers are able to take advantage of. Since a majority of the population in the state of Florida consists of senior citizens, they would be able to save some money if they take the mature driver discount course. The state mandates that if a senior takes this course, they will be able to have lower rates (with any automobile insurance company) for the next 3 years!

Another way to save money is to add safety features to your automobile. People will get lower rates if their vehicles have automatic seat belts, air bags, anti-lock brakes and most importantly anti-theft devices (alarms). This last one is important because insurance company rates are also determined with the vehicle theft rates.

Last but not least insurance companies give you a huge discount if you have a clean driving record. This will allow them to know that you are a defensive driver and you are less likely to get into an accident or commit an infraction in relation to other people. It is important to highlight that there are many more discounts, but they vary with each automobile insurance company.

Although Florida's population is rising and their rates might increase in the near future, there is still hope for those who want to find a cheap Florida automobile insurance rate. Just follow some of the things said above and you will be on the road to save some money in comparison to other people. Discounts and a higher deductible will give you a lower price. So compare quotes from multiple companies and go ahead and start shopping because your low-cost auto insurance policy is closer than you think!

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