| The state of Florida has a computer system in place | | | | parked on the street, you qualify for a discount. |
| which alerts it any time an automobile insurance policy | | | | Do you have other types of insurance, say |
| is cancelled for any reason. If new insurance isn't | | | | homeowner's or health insurance from the same |
| purchased almost immediately, the state can revoke | | | | insurance company? If so you should qualify for a |
| your registration tags and will not renew your tags until | | | | Multi-Policy Discount. |
| it receives proof that your vehicle has insurance. | | | | Have you been with your same company at least 5 |
| In other words, the state of Florida is serious about not | | | | years? Then you should ask if you qualify for a |
| letting people drive without insurance - and if you are | | | | Long-Time-Customer Discount. |
| caught driving without insurance the penalties are | | | | How many miles do you drive in an average month? If |
| severe and may make being allowed to drive in the | | | | your answer is fewer than 500 then you may qualify |
| future more difficult, time-consuming, and expensive. | | | | for a rather hefty Low Mileage Discount. Ask your |
| That's why so many drivers are eager to learn as | | | | agent. |
| many ways as possible to get affordable automobile | | | | Is your car an older model? If you car is old enough or |
| insurance in Florida. | | | | battered enough that it no longer has any Kelly Blue |
| Luckily there are several things almost everyone can | | | | Book value then you're probably just throwing away |
| do to keep their rates low or to reduce their rates | | | | any money you are spending on collision or |
| below what they are currently paying. | | | | comprehensive premiums. Ask your agent exactly |
| If you are considering the purchase of a new car you | | | | how much your insurance company will pay for your |
| may want to consult your automobile insurance agent | | | | vehicle if it needs repair or replacement after an |
| before you drive it off the lot. Some new cars cost a | | | | accident and then make a determination whether |
| lot more to insure than others - your choice of make | | | | collision and comprehensive still make sense for you. |
| and model can make a big difference in how much | | | | How much of a deductible can you afford. This is a |
| your pay each month for your automobile insurance. | | | | serious question, because the higher your deductible |
| The way you drive also affects how much you pay | | | | the lower your monthly automobile insurance premium |
| for your insurance. If you drive safely and legally you | | | | will be - but also the more cash you will have to come |
| are likely to pay a lot less for your automobile | | | | up with out of your own pocket if you make a claim. |
| insurance than will someone who gets speeding tickets | | | | So weigh everything carefully - how much you can |
| or any other moving violation. | | | | actually afford to pay for your own accident, and how |
| And if you are convicted of a DUI or a DWI then you | | | | much you can afford to pay each month for your |
| can forget finding a decent rate on your automobile | | | | automobile insurance. |
| insurance for up to 3 years. If you are convicted of a | | | | O.K. Now you've got all the information you need to |
| second DUI or DWI offense you will be forced to get | | | | put together an automobile insurance policy that you |
| insurance from the high risk pool at prices that will | | | | can afford. Keeping everything you've learned in this |
| make your head swim! | | | | article in mind, it's time for you to get online and start |
| If you're an older driver, say 55 or older, you may be | | | | comparing prices among the different automobile |
| able to shave at least 10% off your monthly premium | | | | insurance companies operating in Florida. |
| simply by taking a driver's refresher course. Not all | | | | Take the extra time to make your comparisons on at |
| insurance companies offer this discount, so check with | | | | least 3 different websites since no one website |
| your agent to see if you can qualify. | | | | compares all of the different insurance companies in |
| Younger drivers, those under 25, are automatically | | | | Florida. Once you have made all the necessary |
| placed in a high-risk category. You can cut about 5% | | | | comparisons then you should be able to grab the |
| from your monthly insurance bill if you stay in school | | | | lowest price and sleep easy from then on, knowing |
| and maintain at least a "B" grade average, qualifying | | | | that you have gotten the most affordable automobile |
| for a Good Student Discount. | | | | insurance in Florida. |
| If you garage your car at night, rather than leave it | | | | |