TIPS ON HOW TO GET AFFORDABLE CAR INSURANCE IN FLORIDA
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| Car insurance in florida |
Take a look at these tips and see how you can obtain car insurance at better rates:
1. Raise the limit of the deductibles. They represent the costs that you have to pay before the actual insurance takes over the costs. If you act smart and you raise your deductibles from letting us say $200 to $500, you might end up lowering the actual cost of the accident and the coverage by 15 percent and up to even 30 percent. If you increase the deductibles to $1,000, then you are very likely to decrease the costs you face by a minimum of 40 percent.
2. Refuse the coverage that you will not need. Before you purchase your car insurance, think about the possibility of dropping the collision and even the comprehensive coverage if your car or cars are old and have very low value on the market. This sort of coverage is not worth buying, because, whatever claims you will make on it in the future, they will surely not exceed the price of the deductible amount and of the value of the insurance.
3. Try to avoid medical coverage if it is duplicated. If you are already paying for disability insurance, you are in good health and you have a good lifestyle, then you should only purchase the personal injury minimum insurance required by the state of Florida.
4. Buy yourself a low-profile vehicle. If you are looking for affordable car insurance in Florida, then you should not buy a car that is expensive to repair, popular among thieves or one that has a poor safety record, because all these details will be analyzed by the insurance agent and will be taken into consideration when drawing up your rate.
5. Try to carpool or just drive less. Most of the companies offering insurance have low mileage discounts for the drivers who choose to carpool to their workplace or drive less than the average mileage in a year. All you need to do is to compare the discounts and the offers different companies have.
6. Choose safety gear. The moment you purchase a car or you upgrade it, think of airbags, anti-lock brakes, automatic seat belts and, also, daytime lights. Having a burglar alarm on your car and any anti-theft device will make you qualify for higher discounts on your insurance.
7. Combine policies with a single carrier. You will save up money if you put all your vehicles, including trailers, boats and other recreational vehicles on a single policy. Your premium will also be less if you chose to buy the house and the life insurance from the same company.
8. Ask for all discounts. If you are an elderly citizen, around 50 or 55 years of age, or retired you can get additional discounts if you only recall asking for them; also, the drivers who have not had any accidents or traffic rules violation can receive discounts as well, as longtime customers of certain companies.
