Like many Florida drivers, they are trying to save money on car insurance bills. Unfortunately, Florida car insurance quotes are some of the highest in the nation. An average policy in Southern Florida can quickly go over $1400, while counties further north barely pay $300. While shopping around from one insurance company to another can be time-consuming, it is worth the effort if they get Florida car insurance quotes. There is one method of getting the lowest Florida car insurance quotes that many consumers overlook. Bundle the Florida car insurance quote with another type to save even more.
Four Reasons to Have Car Insurance.
Getting coverage has never been easier, thanks to the internet. Online it takes less than 10 minutes through our online quote system. Florida Insurance Quotes reduces the excuses for drivers in the states not to have legal coverage. Getting Florida car insurance is quick, simple, and could save they a great deal of financial suffering and inconvenience. Accidents without coverage can be overwhelmingly expensive, including medical bills, vehicle replacement costs, pain and suffering money, and other charges.
Even if they do Not Have coverage, they are Still Liable for Damages and Injuries.
If a driver is responsible for an accident and does not have car insurance, they are still held accountable. It certainly can change the dynamic of a lawsuit, but it does not excuse liability. However, instead of a premium spike, drivers are looking at the possibility of thousands of dollars in bills. The medical bills alone for an injured driver are staggering. Let alone replacing a totaled vehicle. Either way, uninsured drivers risk their financial stability to avoid a premium.
It will make them “High Risk” for the Rest of your Driving Career.
Driving without coverage will make a high-risk candidate for future providers, even for a brief period. First, it is illegal, so they will be seen as someone who does not set much stock in following the law. It shows a level of irresponsibility that will allow providers to charge them more down the line when they decide to go back to driving legally. Finally, they will be deemed a “high risk” driver and see all of your premiums shoot drastically upward. Sometimes even almost doubling depending on the company they choose. Many Florida car insurance quotes ask if they had a lapse in coverage. They ask because several carriers will decline the policy if they have had a lapse in coverage.
Without Insurance, Everything is Out of Pocket.
If the insurance company totals their car following an accident, few people can replace it. People can often hardly afford the repair bills on a vehicle damaged in an accident. However, if the car is stolen and never found, they still need a car to get to work. Florida car insurance companies will cover theft, pay for a rental car, and pay the car’s current value. However, drivers without car insurance in Florida will be without a vehicle until they can afford another. That could take a long time.
Serious Legal Repercussions.
Every time drivers get behind the wheel of a car without a policy. They risk their driver’s license. If the police pull them over for a routine traffic stop, they will ask for proof of insurance. If they cannot provide it, there can certainly be trouble. Then, they will report a failure to maintain insurance to the state. Then, the carrier will discover the lapse when they are finally searching for Florida car insurance quotes again.
A Florida car insurance quote plus one more type equals a bundle.
If they are a homeowner in Florida and are also in the market for car insurance, consider bundling two or more policies together. Many insurers in The Sunshine State offer coverage for both types of insurance. Furthermore, our Christian agents will be pleased to offer a discount without solicitation. Bundling is one discount we love to pay.
How much can drivers save on Florida car insurance if they bundle?
While Florida is not at the forefront of discounts for bundled insurance policies, they will still save on the bill. According to our recent study, residents of Florida can save the most on their insurance by bundling home and car policies, over $500 per year on average. That works out to close to 20%. Since this discount on a Florida car insurance quote costs nothing on their part, make sure to mention it to an agent. Bundling will not diminish the amount or limits of the coverage. As a result, it is a no-brainer for the budget-conscious insurance shopper.
It is not just bundling single-family home insurance and car insurance that can qualify for savings. Insurance companies often offer discounts for bundling policies to renters as well.
There are other ways to bundle with Florida car insurance quotes.
If anyone is not a homeowner but still wants to save money on bundled insurance policies, do not despair. Many insurance companies also offer discounts on car insurance quotes in Florida for non-homeowners. Most renters have rental insurance policies that cover any losses of their belongings. Renters insurance can bundle with Florida car insurance for a discounted quote. Just do not expect as big of a discount. The Florida Insurance Quotes study observed that renters bundled car insurance saved 8%. Not bad when they compare it to the 11% savings on homeowners’ and car insurance.
When searching for Florida car insurance quotes, the most important thing is to work with moral agents. While the company can easily promise the moon, they will not receive the same service from someone who does not have the customers’ best interest. Unfortunately, there are a lot of shady characters in the insurance industry. We at Florida Insurance Quotes try to only work with agents who have strong Christian morals. So try our services out and start saving money today. We are here to serve.