It’s unfortunate, but everyone has to shell out at least a little bit of cash every month for car insurance – it’s just the law. Since there’s no getting out of it (unless, of course, you’re really willing to break the law that consistently), the trick becomes finding an inexpensive provider with a good history. There’s not much you can do to decide how a company will develop the algorithms they use to figure out much you’ll pay, there is a lot you can do to find a good provider and keep your rates low.
Keeping Costs Low
When you look at how much you – or anyone – is paying for car insurance, it’ll seem like the rates do nothing but rise. There are things you can do to keep your payments relatively low, however, and they’re mostly easy to achieve. For once, never drive without insurance – or, if you absolutely must for some reason, be sure not to get caught doing so. If you’re found behind the wheel without car insurance, you’ll pay quite a bit, in future rates and in the immediate cost of jail time, fines, and license suspension.
Another point to keep in mind is that it always pays to drive safely and carefully. If you get points on your license or a suspension of any sort, you’ll pay significantly more than you would otherwise; insurance companies take just about anything as an excuse to jack up your rates, and getting caught speeding, racing, or weaving is, to them, fair game to charge you pretty much as much as they want – especially if you’re below the age of 25.
Finally, keeping your car free of aftermarket modifications that allow it to accelerate faster or achieve greater top speeds is a good idea, as insurance companies that are aware of such modifications will use it as an excuse to charge as much as 15% more on your rates than they would otherwise.
Finding the Best Deals
The easiest way to find the best auto insurance rates in Florida is simply through word of mouth: Talking to friends and family about where they’ve had their best experiences is the easiest way to get a sense as to which providers are honest, most willing to work with you, and least likely to charge you more than they should.
Additionally, talking with customers of a particular provider will clue you in to how the firm behaves in the long-term. Sometimes, you’ll be able to secure deals such that you’ll pay increasingly less (down to a point, of course) the longer you drive without any infractions. For all safe drivers out there, this is a great little perk that can save significant amounts of money in the long run, and gives you strong incentive to do none of the things listed above that will result in higher rates.
Following these few rules is a great way to get started narrowing down your options. Make sure to take your time, and good luck!