How to Avoid The 3 Most Common Mistakes People Make When Buying Cheap Car Insurance in Florida

Finding cheap car insurance in Florida can sometimes be an extremely confusing process.  Many different companies are vying for your business and all advertise themselves as having the lowest rates and the best coverage.  However, how can one really know they are getting the actual best price and policy?  Because of all of these inflated claims and promises, buying auto insurance can require a bit of research on the part of the consumer.  Doing this will help avoid the 3 most common mistakes that people make when buying their auto policies. 

One of the biggest mistakes that people make in looking for cheap car insurance in Florida is not taking enough time to shop around and compare quotes.  The most advertised companies are not necessarily the ones with the best deals, even though that is what it may seem.  It is not that these advertisements are necessarily false but it is simply that every situation is very different.  Rates can vary considerably depending on the amount of cars you own and their current value.  Other factors are the number of drivers, their ages, and driving records.  One company might indeed, in general, have great prices.  However, your particular set of circumstances might get a lower quote elsewhere.  Also, some insurance providers offer combined home and auto discounts which, if you are a homeowner, can save you a considerable amount of money.

Another common mistake when finding cheap car insurance in Florida is purchasing a policy that is too comprehensive for one’s specific needs.  Many people feel safer buying the largest amount of coverage possible in case they end up with damage to their vehicle.  However, unless your driving and living situation requires all of these safeguards, you are essentially paying for things you do not really need.  It is important to find out exactly what is included in your policy in order to see if those items are necessary for your particular area, needs, and car’s actual worth.

The third largest error that people often make when purchasing car insurance is that they take out separate policies for each vehicle they own.  By combining them into one policy, you can usually take advantage of some substantial multiple-vehicle discounts.  Another way to combine insurance is by consolidating your home and auto into one policy.  By having separate policies for each individual vehicle, as well as your home, you are most likely paying much more than is really necessary.  Finding cheap car insurance in Florida will be much easier by avoiding these common pitfalls.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner