Tips for Finding the Cheapest Auto Insurance Florida Offers

Getting good and reliable car insurance can be a frustrating experience. With hundreds of companies offering dozens of coverage plans each, it can be overwhelming deciding not only which plan is right for you but which plan is also right for your wallet. This can especially be true for drivers in Florida. Florida drivers are at a higher risk of damage from water or natural disasters. This makes finding Cheapest Auto Insurance Florida has very important to anyone on a budget.

Here are a few tips to get the best possible price on your Florida auto insurance at

Number One: Get Lots of Quotes

Getting several quotes will allow you to see the coverage and the price options on the market for you. This will allow you to explore options and prevent you from simply accepting the first offer you find. Often, it will take a little knowhow and patience to find the cheapest auto insurance in Florida unless you visit and get multiple quotes from one form. Even more, do not be fooled by companies offer bone-thin coverage with a tiny price tag. Often, these coverage plans are not even enough to meet the minimum requirements for loans or banks, meaning as you add protection the price tag will jump exponentially.  Always compare the price with the actual coverage to ensure your insurance is cheap in price – not in protection.

Number Two: Maintain a Good Driving Record

Speeding and Parking tickets happen to everyone – but not constantly. Having a myriad of speeding tickets will reflect very badly on your driving record and will often get you marked as a “high risk” driver. This alone will make premiums skyrocket. Furthermore, never drive without insurance, this will also make any future policies far more expensive. By simply following the driving laws of the road you can greatly decrease any future auto insurance costs. Having a record as a responsible and safe driver will make you a safe choice for insurance companies.

Number Three: Choose a Safe Vehicle

While many people may overlook this factor, having a safe vehicle will greatly reduce the cost of your Florida auto insurance at Certain vehicle features, while fun, will cause car insurance to jump. For example, having a car based on speed that has an odometer with a remarkably high maximum speed will increase premium costs. Furthermore, convertibles are also considered to be less safe for drivers than most other cars.  Cars with improved security features, high safety ratings, and high ranked protection features (ie. Airbags, backup camera, automatic braking, etc.) will see a severe drop in auto insurance premium costs.

Number Four: Always Check for Discounts

There are a plethora of discount on the market for responsible drivers. From common discounts (like military and student) to discounts based on driving record (safe driver discounts) to vehicle based discounts – there are discounts for just about everything. For example, cars with increased and advance security features like anti-theft alarm systems will get a discount because of the decreased chance of a car being stolen. Be aware of your car’s most advanced features before signing up for insurance, this way you do not leave discounts (and money) on the table.

What is covered in my Florida homeowners insurance?

Many first time homeowners may wonder what exactly is covered by their Florida homeowners insurance policy. They may also wonder what isn’t covered and how they can find gaps in their policy. Not to worry let’s discuss this and how to find an affordable Florida homeowners insurance quote.

What will be covered?

When it comes to a standard homeowners insurance policy from, you must know what is covered. If you are looking into purchasing basic coverage, these things will be covered :

  • Dwelling – This will help protect your home structure, your appliances that are built in, and carpet damage.
  • The insides – This will cover all of your personal property and belongings that aren’t attached to your home. This includes personal property like furniture or your entire wardrobe.
  • Liability – This would come into play if an accident occurs in your home that hurts another person or their items. This can help you pay for damages that are covered.
  • Medical costs- This will help you pay for medical costs or even the funeral of someone who got hurt while on your property.
  • Other Structures on the property – This will cover all extra structures on your property. This includes a barn, shed, or garage.

Now that you have seen what is covered. Let’s discuss what isn’t covered. When shopping for an FL homeowners insurance quote, remember these factors aren’t covered.

  • Flooding – Don’t expect to be covered for floods. If you want that additional coverage, you will need to purchase flood insurance.
  • Mold – When it comes to mold, it is very tricky. Some policies will cover mold, while others do not.
  • Sewer backup- Damage that is caused by your sewer backing up is not covered by your policy. This is a very expensive repair that can be from $5,000 to $30,000.

Where can I shop for home insurance deals?

You need to collect your home insurance quote for FL online here. It is the best place to start your search for affordable Florida home insurance rates.  Start saving your precious time by shopping online.

So remember, when it comes time to shop for your policy, remember what is and isn’t covered. If something is not covered and you would like to have it, you will be able to purchase additional coverage along with your policy. Great deals are out there when it comes to covering your home.

Shop for the Best Renters Insurance in Florida

All types of people rent their homes in Florida. From young teens to senior citizens, everyone needs to a place to stay. No matter what stage you are in your life, you will need the protection that the best renters insurance in Florida provides you with.

Why Do I Need this Policy?

There are a few reasons why you should purchase a policy. Here are the main three to consider. Number one is your landlord will more than likely require you to maintain a policy as long as you are staying in the rental. Number two, your personal property needs to be protected because your landlords policy will not protect you and your belongings in any way. Third, you will absolutely need liability coverage because lawsuits are quite common in Florida.

The best Florida renters insurance policy according to is called a package policy. This means it will include a different number of coverages that will work together in order to give you the comprehensive protection that you need. 

How much is FL renters policy?

The national average price of coverage is around $180 per year. In the state of Florida this price will depend on your geographic location and other factors. The best way to determine how much you will be paying is to collect quotes. That way you can receive an up to date and accurate number for rates.

For just a few dollars a month, you and your family can have the security of knowing if something happens, that you are completely covered. A renters policy from here is the most affordable way to protect your family.

Will my coverage cover dog liability?

As you may already know, there are certain dog breeds that are difficult to insure. If you own a high risk dog breed are you covered by your renters policy? The answer is sort of. A FL policy will cover dog liability but it depends on the situation that occurred. Be sure to discuss this with your agent if you own a dog.

The best renters insurance in Florida will be able to completely cover you and your belongings. All it takes is a few quotes to help get you started. Compare the quotes you receive and then review the companies as well. Remember that you will want a company that is professional and can provide you with 24/7 help when needed.