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Where You Live Does Affect Your Auto Insurance Rates

Not all states are alike when it comes to the cost of car insurance.  Where you live can either cost you more or less depending on certain factors like do you live in a big city and how dangerous are the roadways where you are. Who knew that when looking for a new home that you needed to factor in the cost of car insurance along with the quality of school district and crime rate when looking at a particular neighborhood.

How Much Insurance Is Required?

In Florida, the law states that every driver must have at least $10,000 in property damage liability and $10,000 in personal injury protection.  This is the minimum liability required but you can also extend your policy for more protection. Much needed info when you are looking for minimum Florida auto insurance coverage

Where Are the Highest Auto Insurance Rates at?

If you can’t afford to pay for an expensive auto policy then avoid driving. In all seriousness, some of the neighborhoods in this city are more affordable than others.

Rates range from almost $3,000 to almost $4,000 while in the less expensive parts of the country, the average rate is just over $1,000.

In general, auto insurance in the country tends to be cheaper than in the city. You just have to shop around intelligently.

The Hurricane Factor

 Many things can factor in whether your auto insurance goes up or down like your age and your driving record, what kind of car you drive and like you have already seen, where you live, but there are some factors that are unique to the state that are important for you to know, especially if you are a new state resident.  Hurricanes and other severe weather affect Florida’ residents’ homes and cars every year.  The best way to ensure that you have the money to repair or replace your vehicle if it gets damaged in a hurricane is to get full comprehensive auto coverage. Don’t forget to worry about the gators too.

Other unique elements of auto insurance include the state law that offers windshield repair or replacement deductible free when you have insurance and the one that says that once your vehicle has been in Florida for more than 90 days, you must have the state’s limit insurance.

Ways to Save Money on Your Auto Insurance

Here are some tried and true methods to help you save on car insurance.

  • Shop around for the best policy. Use websites to compare auto insurance in Florida and you will find the best deal.
  • Take advantage of discounts offered online and don’t be afraid to offer to have one of the black boxes in our car to monitor your driving. It is the most effective way to prove to an insurance agent that you are a safe and reliable driver.
  • Change your car to one of the safer rated models that do better in an accident and which has the most safety features.
  • Change your policy by raising your deductible and reducing your rate.

No matter what you decide, make sure you do a lot of research and personally talk to an agent about your concerns.