Comparing Florida auto insurance rates probably isn't at the top of your to-do list. Cold calling and researching individual companies on the Internet seems like a humdrum task when there are beaches to comb, sun to soak up, and fun to be had. But comparing Florida auto insurance rates should not fall to the wayside if you want the best, most affordable coverage. LocalInsurance has mastered the technique of locating auto insurance companies that want to compete for your business. But before you utilize this free service, it's good to be educated on the discounts that you might qualify for.

Ways to Save

Insuring yourself in The Sunshine State doesn't come cheap. According to the Insurance Information Institute, Floridians paid an average of $712 more on their homeowners insurance and $248 more on their auto insurance premiums in 2007. But by combining these policies with the same company you will garner savings on your premiums. Most Florida auto insurance companies will offer discounts if you:

  • take a state-approved accident prevention course.
  • drive a vehicle that is equipped with an anti-lock braking system, an anti-theft device, a tracking device, automatic seat belts, airbags or daytime running lamps.
  • are a senior citizen.
  • haven't been involved in an accident for a certain period of time.
  • raise your deductible.
  • have a history of good credit.
  • carpool or use public transportation.

Your Florida auto insurance rates are determined by your age, sex, marital status, driving record, the kind of car you drive, how often you drive and where you live. Even if you drive a sports car to and from work in Miami, there are still ways to save. Check with your auto insurance agent to find what discounts are available to you.

Added Protection
If you have a new car or are considering buying one, there's some good news regarding your Florida auto insurance rates. Many newer vehicles have been including side airbag systems in addition to front airbags and seatbelts which have impacted personal injury protection (PIP) insurance claims, according to a report by the Insurance Research Council (IRC). From the sample of 2007 closed auto injury insurance claims, the IRC reported vehicles that only had seatbelt safety features averaged $6,994 in PIP payment for claims, which was 32 percent higher than the $5,308 average for vehicles with front airbags, and 57 percent higher than the $4,457 average for vehicles with both front and side airbags. Injuries were less significant and claim costs were lower with the presence of front and side airbag systems. Not only are you safer with front and side airbags, but these airbag systems could save you money on your insurance policy seeing as an auto injury claim is likely to be less if you are involved in an accident. Be sure to inquire about this integrated feature if you are in the market for a new vehicle.

Orange You Glad You Have Help?
Visit LocalInsurance.com to fill out a quick and easy form and representatives will match your profile with several companies in your area. LocalInsurance will then send multiple quotes with Florida auto insurance rates straight to your computer.

To find more information on the auto insurance requirements in Florida, visit these useful links: