| est way to compare low cost car insurance in Florida | | | | refresher course that some insurance companies |
| is online, using several of the websites specifically | | | | offer. Ask your agent if your company offers such a |
| designed for such comparisons. But before you jump | | | | discount. |
| online and start making comparisons it would be well to | | | | Before you buy a new car ask your agent exactly |
| know exactly what it is that you are comparing. | | | | how much it's going to cost you to insure it. Not all new |
| If you really want to find the lowest-cost car insurance | | | | cars cost the same amount to insure. Make sure you |
| in Florida then you need to start by creating a policy | | | | can afford the monthly insurance payment on top of |
| that's specifically designed to save you money. Here | | | | your other car payment when deciding on a new |
| are several suggestions for ways you can do just that. | | | | vehicle. |
| Start by always driving legally and safely. In other | | | | On the other hand, if you drive a car that is so old that |
| words, keep your driving record spotless. Speeding | | | | it has little or no Kelly Blue Book value then you are |
| tickets or other moving violations will only increase the | | | | just wasting your money if you continue paying for |
| amount of your monthly premium. And a conviction for | | | | collision and comprehensive insurance each month, |
| a DUI or a DWI will cause your rates to skyrocket. A | | | | since your insurance company will never pay off on |
| second DWI or DUI conviction and you'll be lucky to | | | | them no matter how diligently you pay your premiums. |
| find car insurance at any price. | | | | Do you drive fewer than 500 miles each month on |
| Is there a garage where you can keep your car at | | | | average? If so, ask your agent if you qualify for a |
| night? If so you can earn another deduction on your | | | | Low-Mileage Discount on your premium. |
| premium. | | | | When was the last time you assessed your |
| Do you have any other insurance policies with the | | | | deductible? The higher your deductible the lower your |
| same insurance company? If so you should be able to | | | | premium payment each month. But be careful. |
| qualify for a Multi-Policy Discount on your car | | | | Consider carefully how much you can honestly afford |
| insurance. | | | | to pay out of your own pocket if you were to make a |
| Another thing you need to do at least twice each year | | | | claim or you could put yourself in a real bind. |
| is to simply ask your insurance agent point-blank if | | | | O.K. Now put together your low-cost policy and then |
| there are any unadvertised deductions which you | | | | let's get online and find at least three of the many sites |
| could conceivably qualify for. You would be surprised | | | | that allow you to make quick and easy comparisons |
| at some of the creative and odd-ball deductions that | | | | of prices for insurance from a variety of different |
| the insurance companies come up with from time to | | | | insurance companies. |
| time that they don't bother to tell anyone about. | | | | Unfortunately you can't just make comparisons at one |
| Are you under 25? If so you are automatically placed | | | | site because no site compares all of the different |
| in a high-risk category and your premiums reflect that. | | | | insurance companies operating in Florida. Take your |
| If you stay in school and keep your grade point | | | | time and make your comparisons on at least 3 |
| average at 3.0 or higher then you will qualify for a | | | | different websites. If you'll take the time to make |
| Good Student Discount. | | | | multiple comparisons then you will have genuinely |
| Are you 55 or older? You, too, may be in a higher-risk | | | | compared low cost car insurance in Florida and know |
| category than you used to be. You may be able to | | | | that you have grabbed the very best deal you |
| earn as much as a 10% discount on your premiums if | | | | possibly could. |
| you take – and pass – a special driver's | | | | |