If you live in Florida, it may not come as a surprise to you that vehicle insurance premium rates are rather high here. There are hundreds of thousands of accidents every year, which clearly drives up insurance premiums. However, there are factors that are within your control if you want to keep your vehicle insurance premiums as reasonable as possible.
- Bundle coverage- Most insurance companies offer a discount if you obtain more than one policy with them, so bundling your home and vehicle insurance, for example, saves you money each year.
- Drive safely- Florida ranks as one of the worst states for distracted driving, so be sure to remain observant and focused on the road whenever you’re driving. In addition, DUIs and tickets will significantly increase your premiums, so practice safe driving at all times if you want to keep your premiums under control. Of course, an accident will increase your premium as well.
- Credit score- Protect your credit! Some states do not allow vehicle insurance providers to use credit scores for determining premiums, but Florida does.
- Residence- Where you live impacts your insurance premiums. The closer you are to a large city, the higher your premiums will be. Choose an area with a low crime rate, and you’ll see a lower premium.
If you are in the Fort Myers, Florida area and would like assistance finding the best vehicle insurance premiums while being adequately protected from financial risks, reach out to us at Mr. Auto Insurance. We will go over all your options so you can obtain the right policy for your situation. We will go over the state minimum requirements and when you should have more than that to be properly covered. Reach out today to learn more.