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Cheap Florida Auto Insurance
If you're a resident of Florida, you probably know how important auto insurance is. With the cost of an accident, theft, and the possibility of damage from hurricanes or flooding, it's important that every driver have adequate insurance protection. But that coverage comes at a cost. Since there are so many different options for insurance company, how do you find cheap Florida auto insurance? First you need to know about the requirements of the state of Florida.
Florida Insurance Requirements
Unlike many other states, Florida does not require bodily injury liability coverage for drivers. All that's required is personal injury protection and property damage liability coverage in the amount of $10,000 each. That means that the minimum required auto insurance is already less than in some other states, so you can get cheaper rates if you're moving from out of state.
On the other hand, many people opt to get the extra protection that bodily injury coverage provides. This type of insurance pays the costs of medical needs, doctors visits, hospital costs, and funeral costs. Since the medical costs associated with an accident can be even higher than the cost of damage to your vehicle, it's important to be protected against these unexpected costs.
Whatever you do, don't go without insurance. If you get caught without the minimum required coverage, you could have your license suspended for up to three years. You could even face fines of up to $500. Keep your insurance up to date, and carry proof of insurance in your car at all times.
Hints For Insurance Shopping
The best way to lower your insurance rate is to be a good driver. Keeping a clean driving record will really reduce your premium over the years, because you're showing the insurance company that you're less of a financial risk to them. Drivers with speeding tickets and other fines tend to cost the insurance company more, and so their rates are higher. Avoid moving violations and especially DUIs and you'll see your rates go down.
Another great way to save money is to get a plan with a high deductible. The deductible is the amount you pay out of pocket before your insurance kicks in. If your deductible is higher, you'll pay more when you get into an accident, but you'll make up for it by paying lower monthly rates. In many cases you can save hundreds of dollars per year by raising your deductible.
Finally, check your credit score before you get insurance quotes. Insurance companies in Florida give drivers with good credit lower rates. So, before you get insurance quotes, get a copy of your credit report. If your credit score isn't where you'd like it to be, there are some things you can do to improve it in just a few months. Pay your bills on time and use your credit cards wisely. If you follow these tips, getting cheap Florida insurance will be easy.
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