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Florida Auto Insurance Review


Finding affordable Florida auto insurance may be getting easier, and it may be a mistake to think that staying with a current insurance carrier will yield the best possible results in terms of overall value. Florida auto insurance quotes are available through many easily accessible resources, but knowing what to shop for is very important to ensuring that many are getting the most bang for a buck with an insurance dollar.

Filling out online applications is an easy way to obtain quotes from several companies, but many will want to make sure that comparison quotes from top rated companies occur. Those rated “A” or better are the most desirable Florida auto insurance companies. Many find that lower rated companies can offer a cheaper rate, but that may also find that these lower rated companies have poor service and claims handling practices.

When shopping for Florida auto insurance, a first consideration will be the liability limits an individual decides to carry. This is a very important decision and could make a significant difference in everyones financial future in the event of an accident. Higher limits mean that many may be better protected from claims against an individual if the other causes an accident. If an individual causes a serious accident but do not have policy limits that are high enough, many could be personally liable for damages in the event of a jury verdict against an individuals policy. In many cases, jury verdicts of several hundreds of thousands of dollars could bankrupt and individual overnight. It pays to purchase as much liability insurance as a person can afford.

There are minimum liability limits that apply in Florida, but do not be fooled by these requirements. In most cases they are not nearly enough to cover even a simple bodily injury claim.

If saving money is a goal, then consider actually putting away some cash for a rainy day; more specifically to use to fund a higher deductible in the event of an auto accident. A higher deductible will result in lower premiums. As a risk management strategy it would pay to maintain a small emergency fund that would cover a small deductible in the event of a claim. This old fashioned strategy could allow many to maintain a deductible as high as $1,000, which would yield a substantial savings on the collision coverage.

Due to the competitive Florida auto insurance market many opportunities exist for discounted auto insurance policies. There are many types of discounts available including a multi-line discount, which is one of the more popular types. This discount is provided to those who maintain a homeowner’s insurance policy and an auto insurance policy with the same insurer. There are also discounts for safe drivers, and for vehicles that have certain safety devices installed. Anti theft devices that may be part of a vehicle can also qualify a policy for a discount.

Be sure to ask agents or brokers about all of the available discounts and spend some time to develop the best overall strategy for saving money on the next Florida auto insurance policy.


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