Buying Cheap Auto Insurance In Florida
Car insurance rates in Florida are on average
, slightly higher than what motorists in most other states pay. This is probably because Florida is one of the states with the highest number of drivers on the roads, and many of these are either underinsured or have no auto insurance. This exposes those driving on most Florida roads to a higher risk of accidents. Drivers buying cheap auto insurance in Florida are therefore advised to buy car insurance with more coverage than the minimum. Because of the high number of drivers with no insurance, it is important to include an uninsured/underinsured policy in your car insurance.Driving in Florida without any form of car insurance can lead to the suspension of your driving licence for up to three years or until you can show proof of auto insurance. This is in addition to paying a fine of $ 150 before you are allowed to drive again and $500 for subsequent offenses. The law also requires that you buy insurance from a car insurance company licensed in the state of Florida. Those who move to Florida from other states are also required to purchase car insurance afresh and therefore they should cancel their old insurance.
As a driver, you must therefore make the effort to maintain a safe driving record in order to get cheap auto insurance in Florida. When you ask for cheap car insurance quotes, insurance companies will consider your driving record to determine if you carry a higher risk. So if you have a history of violating traffic rules, you will get higher quotes. Being a good driver would also make you eligible for certain discounts, thereby lowering your insurance premiums.
Another way to buy cheap auto insurance in Florida is to buy a car model that is cheaper to insure. Check the Internet for a list of such cars; sedans and station wagons tend to be cheaper to insure than flashier models. Florida is considered as having high crime rate; therefore, protect your car by fitting it with safety and anti theft devices. This will also lower your insurance premiums.
When buying cheap auto insurance in Florida, first determine the amount of coverage that is sufficient for you, including your passengers then obtain quotes from different companies. Sometimes people pay higher car insurance than they should because of failing to shop around. You may also be surprised to note that some of the big insurance companies charge lower rates than you expected. Choose a company that best meets your insurance needs affordably.
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