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Auto Insurance Buyer's Guide for Florida

How to Shop

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Step 1. Understand What Affects Price

All premiums are not created equal. There are many factors that determine the rate an auto insurance company will quote you – most importantly who you are, where you live and what you drive. The type of coverage you select, the deductibles you choose and the number of drivers in your house all play a role. Then realize that each auto insurance company is likely to see you differently as well.

Senior Driver Facts

30 Million (15 percent) licensed drivers age 65+
14 percent of traffic fatalities involve drivers 65+
79 percent of these fatalities occured during the day

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Source: Insurance Information Institute

Step 2. Know Your Limits

Consider what coverage limits you need. If you own a home or have more financial assets, you need more protection from lawsuits and liability. That means high limits of liability coverage. If you are younger and just starting out, state minimum coverage may be acceptable. But once you get comparison quotes, check the cost of buying more – or less – coverage, so you understand the trade-offs when buying an amount of coverage to match your needs.

Florida Ranks No. 5 For Most Uninsured Drivers

1. New Mexico, 29 Percent
2. Mississippi, 28 Percent
3. Alabama, 26 Percent
4. Oklahoma, 24 Percent
5. Florida, 23 Percent

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Source: Insurance Information Institute

Step 3. Shop Smart

Get quotes from multiple carriers. Rates, discounts and pricing can vary a great deal, so the smartest way to shop is to avoid relying on just one quote (or just renewing your current policy without getting new quotes from other companies). Insurance.com customers report saving an average of over $500 a year when shopping and switching, so it’s worth the time it takes to compare rates.

Get Quotes From These Top Florida Carriers

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Step 4. Discover How Auto Insurance Really Works

Auto insurance is about more than just cars. In Florida, most insurance companies base some portion of your rate on things like where you live, your financial stability (based on your payment history), and other personal information you provide. Sometimes your answers will qualify you for discounts.

Insurance.com makes it easy. You only answer these questions once to receive competing quotes from the Florida auto insurance companies we represent, instead of going to multiple websites and filling in the same forms over and over again. So what are you waiting for?