You can get discounts on auto insurance in Florida depending on how you drive, the car you own, and your relationship with your insurance company. In Florida, auto insurance companies may consider factors such as employment, residence status, and marital status when setting premiums. That means that discounts are also available for being married, owning a home, or being affiliated with certain employers or educational institutions. You may see your car insurance quotes increase as you age because insurance companies find that older drivers are more likely to have accidents.
Florida seniors could get savings of 10 to 20% off if they qualify for a discount for adult drivers, a discount for defensive drivers, or a discount for low mileage. Both Geico and State Farm have discounts for defensive driving and low mileage. Geico is the cheapest car insurance company for 18-year-old drivers. In Florida, Geico rates are 69% cheaper than average for teens looking for minimum coverage insurance and 52% cheaper for car insurance with full coverage.
State Farm also offers cheap coverage, 52% less than the average for minimum liability and 47% cheaper for full coverage. Geico and State Farm offer the best affordable coverage for Florida drivers with bad credit. Both companies offer full-coverage car insurance rates that are more than 30% cheaper than average. State Farm is the best auto insurance company in Florida because of its affordable rates and its reputation for reliable customer service.
Geico is another good company for Florida drivers: you can get quotes online without talking to an agent, along with some of the cheapest rates in the state. State Farm and Geico are good auto insurance companies for Florida drivers, with cheap quotes, useful coverage options, and reliable customer service. These two major companies also have affordable rates for teen drivers and for drivers with a ticket, accident, or other incident on their driving record. State Farm has cheaper quotes than Geico for full-coverage auto insurance.
Drivers who have received a speeding ticket or have had a car accident can also find the cheapest rates from State Farm. Most insurers offer this discount if you have multiple vehicles insured with your company. Some companies, such as Progressive, allow you to add cars that you don't own to your policy, as long as the vehicles are parked in your direction. If you're willing to go paperless, you'll receive your policy documents and billing electronically.
The insurance company may offer a small discount. This discount isn't as popular as it once was, now that people tend to prefer paperless systems anyway. We found that the average discount is 3%, but it ranges from 6% with Farmers to 1% with Progressive. Florida residents convicted of driving under the influence (DUI) of alcohol or drugs must meet FR-44 insurance standards.
In general, in order to qualify for a good discount on car insurance for students, a student must be enrolled full time in high school or college. Florida is a no-fault state, meaning that insurance companies are required to pay for damages regardless of who causes the accident. That's why it's so important to compare car insurance rates, even if you receive a loyalty discount (or other). Of the 10 largest auto insurance companies, Farmers lists the most discounts on its website, with 23 available.
Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. If you have an accident while driving without insurance in Florida, you will be penalized for driving without insurance no matter who is at fault. However, Florida does not require liability for bodily injury, the insurance that pays for the other party's injuries. Florida's car insurance rates are relatively expensive compared to other states because of the large number of uninsured drivers.
To find the best price and the best company for you, look for car insurance quotes at least once a year. Auto insurance companies generally require students to maintain at least a B average and be between 16 and 25 years old. Insurers reward loyalty with discounts for long-time customers and for those who have multiple policies or cars insured under the same policy. Florida allows insurance companies to use your credit history to determine your auto insurance rates.