If you live in Florida, chances are you’re curious how much car insurance costs there. Fortunately, the Florida Car Insurance Calculator can help determine how much coverage is necessary and what it will cost in the long run.
Additionally, it can show you if your area of the state is costly. You could potentially save more money by moving to a less-expensive neighborhood.
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Car insurance prices can vary significantly between companies, making it essential to shop around. Doing so allows you to find the most competitive rates and secure all of the coverage you require at a price that works within your budget.
Rates for Florida car insurance vary based on several factors, including your driving record, the type of vehicle you drive and where you live within the state. Our Florida car insurance calculator can give you an approximate idea of what you may pay so that you can make an informed decision whether to alter or cancel your current policy.
Drivers with a clean driving record often pay less for auto insurance than those who have had accidents or violations on their record. However, if you have an adverse driving history or are convicted of DUI in Florida, your rates may increase substantially.
Coverage Needs and Limits:
Liability, collision and comprehensive car insurance are mandatory in the event of an accident; these policies cover damages to other people or property if you were at fault. You may opt to add uninsured/underinsured motorist coverage as well.
If your policy has a high-deductible, you can save money on your premium by reducing it. This could lower your monthly premium or even partially cover costs if there’s been an accident and your car has been totaled.
Discounts and Alternatives to Traditional Car Insurance:
There are several ways you can reduce your Florida car insurance bill: being a student, veteran, maintaining a clean driving record and having an excellent credit score. Furthermore, homeowners and those opting for paperless billing may qualify for discounts as well.
Comparing Makes and Models:
The type of vehicle you drive can affect your car insurance costs in Florida. Different models, such as SUVs and trucks, have differing safety features, crash test ratings, and repair costs.
By purchasing a new car, you may also save on Florida car insurance. Researching cars with the lowest crash test ratings and repair costs will enable you to select an economical model.
It may also be wise to consider usage-based insurance policies, which are tailored for drivers who don’t use their cars as often. These policies can be especially advantageous for older drivers or those who drive less frequently.
How a Car Is Totaled:
In Florida, if your vehicle suffers severe damage and the cost to repair exceeds 80% of its value, then it can be declared a total loss.