Car insurance costs in Florida can vary by city and zip code. For example, some cities may have a higher population density, a higher crime rate, or more cases of theft and vandalism that may affect rates. In addition, the fact that you have access to a garage or need to park your car on a busy street can affect your costs. The frequency of these cases is an important part of why car insurance in Florida is so expensive.
Statistically, men have more serious car accidents and receive more traffic tickets, such as driving under the influence of alcohol, than women, so they tend to pay more for car insurance, regardless of their age. Because every driver is looking for something different, the best auto insurance company will be unique from person to person. Getting a rate from several companies can help you determine which company offers the best and cheapest car insurance rate in Florida for you personally. However, the best auto insurance company for you will depend on your personal situation and the coverage you want, so it's important to compare prices and compare quotes.
Age and experience go hand in hand, and the younger you are, the greater the risk you'll pose to auto insurers. Having a DUI costs about 63 percent more, while an accident could increase rates about 38 percent above the average cost of car insurance in Florida. Your zip code influences the premium you'll pay for car insurance because the frequency of accidents and crime rates vary by city. If you live in this state, you should be proactive when comparing auto insurance quotes because car insurance rates in Florida are so expensive.
Drivers looking for the most affordable car insurance rates in Florida must first understand how several factors affect premiums. Understanding these factors and knowing how to save can help you identify the best ways to get cheap car insurance in Florida. With a high propensity for inclement weather and a population with heavy traffic, car insurance rates in Florida are higher than the national average, according to Bankrate's analysis of rates provided by Quadrant Information Services. For example, combining your car insurance policy with your home insurance could allow you to get much lower rates than if you bought your policies from different companies.
With different safety features, crash test scores, repair costs and other factors, the type of vehicle you drive will affect your car insurance rates in Florida.