The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. To save on car insurance as you age, you can get savings of 10% to 20% off if you qualify for a mature driver discount, a defensive driver discount, or a low-mileage discount. With a speeding ticket on your driving record, you won't be offered the cheapest car insurance right away. Insurance companies that offer both home and car coverage generally offer bundled discounts for customers to save.
While most drivers know that car insurance quotes are partly determined by their personal driving history, many may not know that rates are also affected by the average risk of drivers around you. Distracted driving can be costly, resulting not only in more expensive car insurance rates, but also higher rates of reckless driving and accidents. Ultimately, the amount of money saved by bundling will depend on both the individual and the insurance provider. So if you're looking for a cheap car insurance policy in Sunshine State and you have a DUI, start here.
The amount your insurance premium increases depends on the severity of your violation and the number of points on your record. PIP fraud may be common in no-fault states, including Florida, where staged accidents and unscrupulous medical providers can increase the cost of insurance, specifically PIP. For more help finding cheap car insurance in Florida, try NerdWallet's car insurance comparison tool. Florida's top insurance providers for home and auto insurance policies include Progressive, State Farm, and Allstate.
Many insurance professionals recommend that you buy higher limits if you can afford it, as minimum coverage limits are likely to leave you with more out-of-pocket costs. Here is Insurify's list of top insurance companies that sell cheap car insurance to Florida drivers.