The cost of car insurance in Florida can be a mystery for some people. After all, the Sunshine State is known for its beautiful beaches and tropical settings, which obviously factor into pricing. However, even outside of these general factors, there are specific pieces to keep in mind when searching for the best car insurance price in your area.
For example, do you have access to a good mechanic? Are you planning to park your car at a community garage or use it as a daily driver? These smaller details can make a big difference when trying to find the most affordable coverage possible.
In this article, we’ll discuss some of the fundamentals that affect the cost of your car insurance in Florida and how they relate to you as an individual.
- 1 How Much Does Insurance Cost?
- 1.1 Cheapest Car Insurance in Florida
- 1.2 Very Cheap Car Insurance No Deposit
- 1.3 Know Where to Look for Cheap Car Insurance
- 1.4 Bottom Line
How Much Does Insurance Cost?
When shopping for a new car insurance policy, the first thing you’ll want to do is get an idea of the cost of the coverage you’re currently under. There are a number of ways to find this information, including calling your current provider, looking on their website, or finding it online. Once you have an idea of the amount you’re currently paying, you’ll be better equipped to shop around and see how much you can save with a new provider.
When searching for the most affordable coverage available, it’s worth keeping in mind that Florida has one of the highest minimums in the country. That means that even if you only have a small accident, you may be required to purchase a higher-cost policy. Also keep in mind that your age will affect your rates, too. The younger you are, the less you will pay for coverage.
Cheapest Car Insurance in Florida
If you’re looking for the cheapest car insurance in Florida, you might be surprised to learn that the state’s coastal areas are a little pricier than many others in the state. One of the main reasons for this is because so many of the high-dollar cars, those worth more than $100,000, are parked in the Sunshine State.
If you have a car that falls under this high-value category, finding the most affordable coverage in Florida might be difficult. To get a better idea of what you can expect, you can compare rates in your area with our insurance price comparison tool.
Enter a few details, such as your zip code and your current policy, and we’ll show you what different companies will charge you. You’ll be surprised at how much you can save by switching companies.
Very Cheap Car Insurance No Deposit
There are a number of Florida companies that offer very cheap car insurance, no deposit required. These policies are often offered by smaller, lower-cost insurance companies and don’t have the same level of coverage as major providers.
To find the very cheapest car insurance in Florida, compare quotes from more than one company. You can also get a price quote from one of these companies and then find cheaper coverage from another provider.
Know Where to Look for Cheap Car Insurance
Insurance providers in Florida are required to offer a variety of different policies, so it’s worth checking multiple companies before finding the best deal. If you’re shopping for extremely cheap car insurance, you’ll want to check out the no-frills companies that offer bare-bones policies.
If you’re looking to save money on your premium, look at companies that offer discounts for drivers who have a good driving record.
Be a Good Driver
A major factor that affects the cost of car insurance in Florida is your driving record. As a general rule, if you have less than two violations on your record, you should be able to find the most affordable coverage for less than $300 per year. If you have more than two violations, you may want to consider switching to a different provider.
Protect What’s Important to You
Another way to save on your car insurance in Florida is to protect what’s important to you. Some of the most expensive coverage is collision damage waiver, or the ability to repair your own car after a collision. If your coverage has a cap on this, you may be better off with a cheaper policy.
There are also a number of other optional features that you can add to your policy. For example, some companies offer a discount if you install electronic vehicle monitoring equipment, such as a GPS device or a device that monitors your vehicle’s fuel level and how much you’ve used.
Get Comprehensive Coverage
If you’re shopping for car insurance in Florida, you should also consider getting comprehensive coverage. Comprehensive coverage protects your car in the event of damage, including collision and theft. If you’re able to shave a few dollars off your bill by choosing a different level of coverage, it may be worth the switch.
Keep an Eye on Your Collision Repair Costs
It’s worth keeping an eye on your collision repair costs on the back end. Depending on the extent of the damage to your vehicle, it may be worth paying the few dollars a month for comprehensive coverage to ensure that your car is properly repaired. It’s important to note that certain cars are much more expensive to repair after a collision than others.
Negotiate For The Best Deal
If you’re shopping for cheap car insurance in Florida, it’s worth negotiating with your current provider. Depending on the company, it may be possible to get an even better deal. Keep in mind that there are a few things you should watch out for when negotiating.
First, be sure that you’re not only negotiating with your current company, but also switching to a different provider. It’s worth keeping an eye out for special deals and discounts that are only available if you switch companies.
Once you know what you can get for the least amount of money, the next step is to shop around and compare rates. You can use our car insurance comparison tool, or you can head to your local Chamber of Commerce and ask around among your neighbors.
No matter how you choose to find the best deal, it’s important to keep in mind that the cost of car insurance can vary greatly from one region to the next and even from one person to the next. By keeping these basics in mind, you’ll be able to find the most affordable coverage possible.