Florida’s sunshine, sandy beaches, and vibrant cities attract residents and visitors alike. But whether you’re a longtime Floridian or just cruising down the Sunshine State’s highways, having reliable car insurance is essential. Fortunately, cheap car insurance in Florida is available. Cheapinsurance.com will give you tips to find auto insurance quotes without sacrificing necessary insurance coverage.

Key Takeaways:

  • Knowledge is Power. Make informed decisions with the provided resources. Low cost auto insurance options await!
  • Find cheap car insurance quotes in Florida that complement your budget and driving style.
  • Compare and Save. Find inexpensive car insurance by comparing car insurance quotes and exploring discounted insurance.
  • Smart Strategies for the Lowest Car Insurance Rates. Maximize savings with mileage based options like pay per mile auto insurance, responsible deductibles, and a clean driving record.

Is Florida Expensive for Car Insurance?

Florida has a unique set of factors that contribute to the price of car insurance. Compared to the national average, car insurance rates are higher. 

  • Natural disasters: Severe hurricanes, floods,  and other weather events can be a threat in Florida. These events result in a number of insurance claims, pushing up the cost of insurance.
  • High uninsured motorist rates: A significant number of drivers in Florida operate without car insurance. This means a higher chance of accidents involving an uninsured driver, leading to higher vehicle insurance costs for everyone. 
  • Frequent theft: Florida has a higher rate of car theft compared to the national average. This translates to higher costs for comprehensive insurance coverage. 

What Factors Affect Cheap Car Insurance Quotes in Florida?

Several factors influence your car insurance quotes in Florida. Understanding these allows you to tailor your approach and potentially find lower car insurance.

Driving record. A clean driving record with no accidents or tickets is the single biggest factor influencing the cost of insurance.

Age and experience. Young drivers with less experience typically pay more. Rates generally decrease as you age and gain experience.

Location. Where you live can impact insurance quotes. Urban areas with higher traffic congestion and crime rates often see raised cost of vehicle insurance in Florida.

Vehicle type. Expensive, high performance cars generally cost more to insure than older, less powerful vehicles.

Coverage choices. The type and amount of coverage you choose can impact the cost of car insurance.

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What Discounts Can Help Find Low-Cost Car Insurance in Florida?

Fortunately, there are ways to further reduce the cost of auto insurance in Florida beyond just getting basic coverage.

Good driver discounts: Maintain a clean driving record free of accidents and tickets for a set period (usually 3-5 years) to qualify for good driver discounts, which gets cheaper car insurance.

Low mileage discounts: If you drive less than the average, ask if your auto insurance company offers pay per mile auto insurance.

Multi-car discounts: Insuring multiple vehicles with the same company can often lead to discount car insurance quotes.

Multi-policy discounts: Bundling car insurance with other policies like home insurance or renters insurance can lower car insurance quotes.

Safety feature discounts: Having anti-theft devices, airbags, and other safety features on your car can result in cheaper insurance discount.

Student discounts: Students maintaining good grades, typically a B average or better, can qualify for inexpensive car insurance.

Military discounts: Many insurers offer discounts to active military personnel and veterans.

Low Cost Insurance Coverage Options

Balancing affordable car insurance with adequate protection can be accomplished. Here are some strategies for cheap insurance.

Increase Your Deductible. Raising your deductible, the amount you pay out of pocket before a car insurance policy pays to cover a claim, can result in inexpensive insurance. However, ensure you can afford the deductible in case of a claim.

Mileage Based Insurance. Explore insurers offering usage based car insurance (UBI). These plans track your driving habits (distance driven) and reward low mileage drivers with cheaper insurance.

Focus on Liability. Since high mileage cars have a lower replacement value, consider dropping full coverage auto insurance, in favor of liability only insurance, which can lower auto insurance costs. Full coverage car insurance in Florida might not always be cost effective for older vehicles.

Finding cheap auto insurance in Florida requires a strategic approach. By understanding the factors influencing your rates, exploring available discounts, and comparing the cheapest auto insurance quotes from multiple insurance companies, you can achieve the sweet spot, securing affordable car insurance in Florida at the price you can afford. 

Utilize the resources provided to further understand and make informed decisions. With a little effort, you’ll be cruising Florida’s roads with a peace of mind.

By

Tito Bucheli

Updated

June 14, 2024

Edited By

Fausto Bucheli Jr