Useful and Simple Tips on How to Find Cheap Car Insurance
Of course that having a car insurance policy is very important - and not only because the law says so, but also because you want to be and feel protected at all times. But, in these difficult times, nobody wants extra expenses, and one thing that would help you save quite a considerable amount of money is finding some Florida cheapest auto insurance. How can you do that?
First of all you should know that there are three different types of insurance and you have to choose the right one for you.
The Main Types of Car Insurance Policies
- Third Party - this is the cheapest auto insurance (or it used to be, because, with extra services, it can become a bit expensive), and it is the lowest level of coverage that you can legally have in order to drive your car. What does it consist of? Well, in case of an accident that you are responsible for, the insurance company will cover for any damages that you bring to the car involved in the accident, as well as to all the people in the cars. You will have to pay for the damages brought to your car on your own. It is usually preferred by people who are under 25, whose cars are not worth too much money and by the ones who live in a high risk area;
- Third Party Fire and Theft - it pretty much covers the same things as the third party insurance, but, as the name says, it also includes coverage in case your car gets put on fire or is stolen;
- Fully Comprehensive - although this is the insurance that covers everything that may ever go wrong, in some situations, it can be the cheapest of all. What is the great thing about it? The fact that, even if you cause an accident, the insurance will cover your car’s reparations. It also covers damages brought to your car by vandalism or by a hit-and-run (for example, when your car is parked in a legal place and another driver hits it and leaves). Of course, this insurance is preferred by all categories of people and its costs depend on the value of the car that you are making the insurance for.
But you are probably more interested in ways that can help you lower the car insurance costs, so let’s see how you can go about this.
How to Get Lower Rates
- The thing is that the insurer’s perception of you will finally decide the cost of the policy. So try to have a clean record, no parking and speeding tickets, and show them that you are a responsible driver. The lower the risk you present is, the lower your policy will be;
- If you are applying for insurance for people under 25, it would be a good idea to add a second person on the policy. The secret is to add a mature person with a clean record (it does not matter how much they use-or do not use- their car);
- Be careful when you choose a car (as stated before, the policy depends on the model, age, value, engine size of the car) and do not modify it! If you make too many changes to your car, you will add more and more extra expenses on your insurance and you really do not want something like that!;
- Reduce your mileage - if this is possible, you should do it because lowering your mileage will also the cost of your insurance;
- Add a security device - installing an alarm for example will show the insurer that your car is safer (as in more difficult to be stolen), so the low risk will get you a good insurance;
- Inform the insurer of any changes that occur in your life (and not only with your car- even if it does not make sense, you have to tell your insurer if you are changing jobs because this is considered to be a higher risk). If the insurer finds out about them afterwards, your policy can be cancelled because of a fraudulent claim. If anything like that happens to you once, it will be a lot more difficult (almost impossible) for you to get good insurance later.
Keep these tips in mind and you will be much closer to the cheapest rates possible.
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