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What to do if I am in an accident?

After you have had an accident in which you were at fault, there will be a time period where finding  insurance in Florida will be more difficult. Depending upon your prior driving record and the severity of the incident, you may have a hard time getting insurance period. If you can still qualify for car insurance, you will need to be on the lookout for how to find the cheapest car insurance in Florida. You will find a few tips right here.

 

Change Driving Habits

You may want to start by reevaluating how much you drive. If you remember, your car insurance company asked you how much you drive either during a day, week or month. They use this as a gauge for how often you are out on the road and subject to the risks of being out on the road. If you can reduce the amount of driving your do, either through car pooling or public transportation or both, you can cut back on how much you pay for your car insurance and save on high-priced gas.

 

Accurate Records

It is good idea to do this on a regular basis, but if you are looking to find ways to save money on your car insurance, it is smart to review both your driving record and your credit history. Both of these history reports are known to have been wrong in the past. They may be hurting you right now. Maybe there is a ticket on your record that should have been removed. Maybe your credit score is lower than you expect and there are items on your credit report that shouldn’t be.

 

Discounts 

Discounts or reduced rates are given out daily by Florida  companies and you need to put yourself in position to take advantage of them if you want the cheapest car insurance in Florida. Here are a few reasons that insurance companies offer reduced rates to drivers.Car Accident Cartoon

  • Policy renewals
  • Multiple policies (home + auto + boat)
  • Good grades for students
  • Occupations (teacher, military personnel, firefighter, scientist)
  • Vehicle safety features
  • Vehicle security features
  • Environmentally-friendly vehicles

 

As you can see, the vehicle plays a prominent role, so you may want to consider a vehicle change that can result in lower rates.

 

Annual Policy Reviews 

When was the last time you reviewed your policy? If it has been more than a year, you should certainly take the time to do a review. A review of your coverage and your information  can lead to rather significant savings in some instances. There may be incorrect information that is keeping you from getting the discounts you deserve. Also, it is not uncommon to have more coverage than you really need.

 

Shop Around 

Similar to the question above, when was the last time you shopped around for better rates? All  insurance companies are not the same and you can quickly find this out by getting a few online car insurance quotes. Rates can vary as much as several hundred dollars from one reputable company to the next. By taking advantage of free online quotes, you can find cheap auto insurance in Florida for your circumstances and do so in only minutes.

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