Each and every year Florida residents are looking for ways to reduce their auto insurance costs and save money. We’re here to provide with the facts on how to do just that!

Auto Insurance In Florida – The Facts

Florida’s average annual insurance premium recently went down to about $1500; the national average is around $1600. This generally puts Florida residents in the position of paying less for their car insurance then residents of other states. This is great news but still a little high for our liking. Throughout the website we will hopefully be able to arm with all the information you need to get the cheapest rate on your car insurance.

Cheap Car Insurance in Florida- Specifics

Lets go over the basics you’ll need to know when shopping for cheap auto insurance in Florida.

Under state law Florida requires a minimum coverage of $10,000 in Property Damage Liability as well as $10,000 in Personal Injury Protection. This PIP as its known will cover and compensate a loss due to injury regardless of who is deemed to have caused the accident. This covers an injury to you as well as other licensed drivers who may have driven your car with your permission. This also covers you if you were hit by a car even when you yourself were not in an automobile. For example walking, running or riding a bike. So to put it in simple terms the Personal Injury Protection pays for “reasonable and necessary” medical expenses for you and any of your passengers. There are no exemptions for this, it is required.

Florida is also considered a No-Fault state. This means your insurance company will make payments if your injured regardless of who was at fault in causing the accident. The amount paid depends on your policy.

These are the basic requirements you’ll need to know when shopping for cheap auto insurance in Florida. Aside from these basic requirements lets go into some specifics to help keep your rates low and get the best price possible!

Thankfully Florida is not one of the more expensive states when it comes to auto insurance. Florida auto insurance requires that at minimum you have liability coverage. Liability coverage covers you for any damage occurred whether to the persons vehicle or other property. It also covers medical bills resulting from bodily injury or any other medical issue incurred during the accident. Although the minimum coverage may be enough for you, its definitely worthwhile to look into increasing your liability coverage. This may come in handy if you end up being sued or brought to court. It’ll help protect your assets, by having more coverage from the insurance company.

In order to make sure you get the cheapest auto insurance rates you may have to meet some of these requirements.

Tips For Getting Cheap Florida Car Insurance

A Clean Driving Record

As obvious as it might sound, insurance companies will always give better rates to those who’ve had great driving records. Getting the cheapest auto insurance in Florida is very much dependent on this. So if you have speeding tickets, a history of accidents, a DUI or any other moving violation its going to be a tough road obtaining cheap auto insurance. Drivers with clean records tend to pay about half of what those with spotty records pay.

Drivers Training Certification
A defensive driving course is a great way to knock some money off of your auto insurance. Almost all the insurance companies will give you some sort of discount if you can give proof that you’ve attended and completed a defensive driving or other safe driving course. You can check out some of these courses here:

http://www.lowestpricetrafficschool.com/defensive-driving-online.html

http://www.nscddconline.com/florida/

http://www.dmv.org/fl-florida/defensive-driving.php

Car Safety Devices
Some insurance companies in Florida will give you discounts if you have things like car alarms, air bags, car tracking systems or other safety devices installed in your vehicle. Even things like anti-lock breaks or extra air bags can help contribute to lowering your premiums.

Students Grades
This is a little less common but its worth looking into. If you are a young adult some insurance companies will give cheaper rates to students who have good grades. It is worth looking into. You can see an example of that here.

http://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx

Getting cheap car insurance in Florida is much easier to obtain if you can show that you meet some of these requirements above. Just remember, there are a lot of insurance companies in Florida competing for your business. Make sure you get quotes, shop around and supply these insurance companies with information as to why you deserve a lower rate.

Cheap Auto Insurance in Florida – We Can Help!

Nobody likes dealing with the hassle of buying car insurance. Hopefully we can do our best to make the process easy on you. Our website will offer you tips and information on finding cheap auto insurance, getting cheap auto insurance quotes online as well as advice on how to lower your insurance premiums. Spend some time reading our articles. Our information is all free! You’ll find valuable information when it comes to finding the best deals on car insurance and what factors affect the price of being insured. Finding cheap auto insurance in Florida doesn’t need to be a nightmare, let us help.