All About Florida Car Insurance

Living in Florida means expensive Florida car insurance. Even excellent drivers will be encumbered with what many consider to be outrageously expensive premiums. One way to try to reduce these premiums is to simply reduce coverage, so here are some car insurance coverage recommendations.Because Florida has a very high number of senior citizens and an equally high number of unlicensed and uninsured drivers, insurance companies feel they have no other option than to force the people who do have coverage to pick up the tab for accidents caused by those who don't. These companies will typically try to sell you policies with coverage and limits that you don't really need, bringing your premiums up.Unlike most other states, Florida carriers use your credit report as the major component in figuring out your premiums. If you have problems with your credit history you will see this reflected in your premiums. Whenever you ask for a quote from an agent, he will likely refuse to help until he has your social security number and drivers license so he can check your credit and your driving history. A reasonable premium might then go sky high.Before buying any policy make sure you know exactly what you're paying for. Most companies will automatically try to give you a policy for the highest limits and lowest deductibles. With this kind of coverage, many drivers complain that their insurance costs more than their car payments.If you haven't leased your car (which does require higher limits), bring your deductibles up, lower your limits as much as possible, and get rid of any add ons you don't need such as emergency road assistance and towing for non accident related problems. Just make certain that if you select $500 deductibles across the board, that you'll be able to come up with those $500 should the need arise.