Three Sources for Finding Cheap Auto Insurance in Florida

Finding affordable car insurance in Florida is tricky. Insurance companies are skittish about hurricanes, there is a higher risk in tourist areas (which are all over most of the state of Florida), and the state requires certain coverage making it a little more complicated. So where can one look for cheap auto insurance in Florida?

1.    Local Florida Agent

If you are new to Florida, new to insurance, or are generally unsure of what you should have for insurance, it might be best to start with someone local. This local agent can explain what options you have for choices on protection and what is required. Ask questions and be sure you understand the quote. Keep a copy of the quote and let that be your guide to help you with other quote searches, either now or next renewal.

2.    Over the Phone

Call an insurance company directly and ask if they sell insurance in Florida. If so, this is another way you can get some assistance in searching for cheap auto insurance in Florida. If you are calling more than one company, make sure you are writing down your coverage choices and the premium costs for each one so you can compare. This might be an alternative to talking to a local agent if you need help deciding but local agents aren’t available when you need them. Most insurance companies now have extended hours for sales.

3.    Online

If you have a basic understanding of how cheap auto insurance in Florida works, your quickest choice will be to search quotes online. However, rather than going to each insurance company’s website one at a time, find a referral insurance company online that you can enter your information once and it will bring you back several estimates. This is the most effective use of your time because you can get five or six quotes in a few minutes. If you decide to buy your policy online, make sure of the following:

•    Fill in all information completely and accurately.
•    Check all available and eligible discounts.
•    Find out if there are discounts for choosing certain pay methods.

These tips will help you find cheap auto insurance in Florida and will ensure you are receiving the best coverage for your money. If you did not have insurance prior to your new Florida policy, be sure to check again after you have maintained Bodily Injury Liability coverage for six full months. You could find cheap auto insurance in Florida that even beats the rates you find now.