| You must have car insurance if you intend to drive | | | | Do you drive fewer than 500 miles each month? If so |
| your vehicle on any public roadway within the state of | | | | you may be entitled to a Low Mileage Discount. |
| Florida. Driving without insurance carries severe legal | | | | Do you have more than one insurance policy with the |
| consequences and can result in your inability to easily | | | | same company? Do you also have a homeowner's |
| obtain a permit for a vehicle in your name for a | | | | policy, or possibly a health insurance policy with the |
| minimum of three years. | | | | same company? If so you may be entitled to receive |
| At the very least you must buy liability insurance in the | | | | a Multi-Policy Discount on your car insurance. |
| state of Florida. | | | | Have you been insured with the same company more |
| The minimum amount of liability insurance that you | | | | than 5 years? If so you may be entitled to a |
| must carry in the state of Florida is $10,000 Personal | | | | Long-Term Discount. |
| Injury Protection (PIP) and $10,000 Property Damage | | | | If you are under 25 and still in school and you maintain |
| Liability (PDL). | | | | at least a "B" grade average then you should be |
| Many insurance policies are set up to offer a slightly | | | | entitled to at least a 5% discount on your car |
| different minimum coverage. $10,000 bodily injury to | | | | insurance through a Good Student Discount. |
| any one person injured in an accident that is your fault, | | | | If you are at least 55 years old and you take and pass |
| with a maximum of $20,000 in medical payments for | | | | a special driver's refresher course you should qualify |
| any one accident, plus your liability insurance must at | | | | for at least a 10% discount on your monthly car |
| the very least provide for $10,000 in Property Damage | | | | insurance premium. Not every insurance company |
| Liability (or PDL). This is commonly abbreviated as 10 | | | | offers this discount so check with your agent to see if |
| 20/10. | | | | you can qualify. |
| Liability insurance does not cover the repair or | | | | If your car is an older model and has very little or |
| replacement of your vehicle, nor does it cover the | | | | possibly no remaining Kelly Blue Book value then you |
| medical payments for you or anyone in your vehicle | | | | can save considerable money each month by |
| should it be determined that you are at fault in an | | | | canceling your collision and comprehensive insurance |
| accident. | | | | since your company will not pay off on those |
| Taking current medical costs into consideration, as well | | | | coverages anyway. |
| as the cost to repair or replace even a | | | | How large of a deductible can you afford? Answer |
| moderately-priced vehicle, the state minimum | | | | this question carefully, because the larger the |
| coverage required in Florida could easily leave you still | | | | deductible you can afford then the lower your monthly |
| owing a considerable amount of money should you be | | | | premium payment will be - however, the larger your |
| involved in an accident. | | | | deduction the more cash you will have to supply out of |
| It may be in your best interest to purchase more than | | | | your own pocket should you have a claim. |
| the minimum required car insurance and fortunately | | | | All right, you should now be armed with enough |
| there are steps you can take to save money and get | | | | information to create a car insurance package that |
| discount car insurance in Florida. | | | | you can both live with as well as afford. Now it's time |
| Start by driving safely and lawfully at all times. If you | | | | for you to get online and start comparing car insurance |
| receive a ticket for speeding or for any other moving | | | | policies and their prices. |
| violation you can count on your car insurance rates | | | | Be sure that you take the extra time necessary in |
| going up. If you are convicted of Driving Under the | | | | order to compare prices on a minimum of at least 3 |
| Influence (DUI) or of Driving While Intoxicated (DWI) | | | | different websites. This is because no one comparison |
| your insurance rates will skyrocket. A second DUI or | | | | site actually compares all of the companies issuing car |
| DWI conviction and you may be forced to find | | | | insurance in Florida. If you take the time to make |
| insurance in the high-risk pool - at a cost that will make | | | | comparisons on at least 3 different sites then you can |
| you dizzy! | | | | rest easy, knowing that you really and truly have |
| Is your car garaged at night? If so you may be entitled | | | | saved money and gotten the best discount car |
| to a discount on your insurance. | | | | insurance available in Florida. |