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The insurance industry in Florida is a competitive one. Rates are low, but competition is high. Auto insurance companies in the state have been expanding and branching out to attract customers and differentiate their products from one another. In addition to numerous car insurance companies in the Sunshine State, there are also plenty of auto insurers that have roots here.
In fact, some of the biggest names in the business call Florida home. It’s just not an easy place to be a new car dealer or new car lender or even a used car dealer or used car lender. More established companies with stronger brands and more loyal customers tend to do better here than newcomers.
But if you’re looking for cheap auto insurance quotes in Florida, it might help if you know which companies to stay clear of as well as what makes them so affordable. This guide will help you find the right auto insurance company at the best price possible, while also helping you understand why they charge what they do and how much you can save by shopping around.
Car Insurance Florida Quotes
The best way to get cheap car insurance quotes in Florida is to compare multiple providers and get multiple quotes from reputable companies. You can do this either online or over the phone. Most insurance agents are happy to help, and many will go out of their way to find you the best deal.
Once you have a list of companies, you can compare apples-to-apples by looking at each company’s quote, rate, policy limits and any additional coverages the company offers. For example, you might want to compare car insurance rates from State Farm, Progressive, and USAA to see if any of these companies offer a cheaper deal.
If you have access to a website like InsuranceQuotes.com, you can also compare rates and benefits across multiple companies in a single, streamlined process. This can be a great way to find the best deal on Florida car insurance.
Car Insurance Quotes
When comparing quotes, make sure that each company provides the same coverage under their policies. If they don’t, you might be better off switching companies. When comparing quotes from multiple companies, you’ll want to make sure that the coverage you’re getting is what you actually need. For example, if you often drive at night or in inclement weather, you’ll want to make sure you include these types of events in your policy.
If you’re concerned that your rates are too high, compare quotes from multiple companies and find one that is significantly lower than the rest. If you find one, be sure to ask the agent if they can lower their rate further. You can also get quotes from public online resources like the InsuranceQuotes.com website or from your local insurance agent.
Car Insurance Florida Average Cost
You can save money on car insurance by shopping around and getting quotes from different companies. If you have a good grasp on your needs and what you want out of a policy, you can save hundreds or even thousands of dollars on your premiums.
To determine the average cost of car insurance in Florida, we looked at the state minimum requirements for bodily injury coverage, which was $30,000 per person and $60,000 per accident.
We also looked at the state’s minimum liability requirements for property damage coverage, which was $500 per incident. When adding these two numbers up, we came up with an average cost of $1,619 for Florida car insurance.
If you’re making less than that, you can save by finding a cheaper company. But if you’re making more than that, you can save by switching companies.
What does cheap car insurance in Florida look like?
If you’re shopping around for cheap car insurance in Florida, you’ll notice that rates vary substantially. Some companies charge less than $1,000 for a package that includes comprehensive, collision, and liability coverage. Others are charging more than $5,000 for the same coverage.
You’ll also notice that coverage levels vary greatly. Some companies offer less coverage than the state minimums, while others offer more. To figure out what cheap car insurance in Florida looks like, we looked at each company’s offered coverages.
Comprehensive coverage protects your car from everything from fire to vandalism. Collision coverage pays for damage to your car if someone else causes an accident. And liability coverage protects you and your passengers if someone causes an accident while operating your car.
How to find the best auto insurance in Florida
- Shop around for the best rates. Compare rates from several different insurance companies. Compare rates online and over the phone.
- Make note of any extra coverages you need. Make a list of all the coverages you want in your policy and any other factors you think might affect your rates.
- Ask your agent to conduct a condition analysis. A condition analysis helps your agent determine how much you should be paying based on your driving history, how many miles you drive each year, and the type of car you drive.
- Consider bundling your home and auto insurance. Companies often offer discounts if you bundle your home insurance and car insurance. Contact your home and auto insurance providers and see what discounts they offer.
- Check your rates again once a year. Make sure that your agent is up to date on your driving history and other factors that affect your rates.
The hardest part about finding cheap car insurance in Florida is finding a
When you’re searching for the best deal on Florida car insurance, it’s important to remember that your experience will vary greatly based on your geographical location and the company you choose.
You can save money by finding a company that is closer to where you live or in a smaller city than the one you’re in. If you’re planning to drive a lot and live in a large city, you’ll want to find a company that is nearby.
If you’re planning to drive a lot but live in a smaller city, you can save by finding a company further away. Find a company that has good reviews and is in a smaller city that is a good distance away from where you live. You’ll be able to save money by finding a smaller, less crowded city that is farther away from where you live.