It’s not uncommon for teenagers and young adults to search for cheap car insurance in Florida for young drivers at all. Young driver car insurance is often more costly for you if you have less than three years behind the wheel and when you’re starting out as a young driver, even with a clean driving record, finding cheaper car insurance can be challenging to say the least. Fortunately, there are ways that you are able to save some money on your car insurance premium and we’ll show you how and why!
Cheap Car Insurance in Florida for Young Drivers
The first way to save on car insurance as a young driver in Florida is to do your online homework. Getting three or more quotes from our free Rapid Quote online partner network is one of the fastest and easiest ways to compare insurance prices for your situation from some of the top online discount providers in the Country.
While we specialize in car insurance for young drivers, we offer this free quoting service to all drivers of any age and because of its simplicity, speed and the fact that it’s free it has become the number one way for people to make sure they’re getting the lowest quotes possible. It’s like having insurance companies compete for your business and you can do it all from the comfort of your home when it’s convenient for you.
Many people think car insurance companies quote car insurance the same and this couldn’t be further from the truth. While they may use many of the same factors, their rates can vary substantially resulting in savings of hundreds of dollars per year. As a result it becomes necessary to get three quotes or more because your first quote may well not be the best pricing that you get during this process. That’s why millions of people quote for free online every single day for their insurance needs and we’re not just talking about car insurance here. Anyway, you get the idea of how important quoting is I’m sure!
Cheap Car Insurance in Florida for Teenagers – How to Save
As a teenager you’re kind of in a unique position in life when it comes to teenage car insurance. The fact is that you have little to no driving record. You’re an unknown quantity to the insurance companies regarding whether you’re going to be a safe driver or a reckless driver. As result, your premiums are typically higher. Still there are things you can do to save money, but you have to want to and that’s an important point.
How to Save Money on Car Insurance in Florida for Teenagers
- You should drive a car that has current safety features and a decent safety rating.
- Try to drive a used car that doesn’t have a lot of value.
- You may opt to not get collision insurance if your car is of little value to save money.
- You should drive fewer miles by carpooling or bike riding to work.
- Opt for a higher deductible that balance risk and reward for your finances.
- Take advantage of any good student discounts you may receive for being on honor roll or the Dean’s list.
- Take a State accredited drivers safety course in Florida and make sure your insurance company is aware that you passed it.
These are some common sense ways that you can help yourself to get cheaper car insurance in Florida for young drivers without sacrificing anything at all. If you choose to get an expensive sports car, I would assume it’s because you can afford it and you likely wouldn’t be here to get cheap car insurance in the first place.
Cheap Car Insurance in Florida for Young Drivers – You Still Need PIP Coverage
Since you’re a young driver in Florida, you may or may not be aware that Florida is a “no-fault” State. A number of States in the Country are no fault, but most are not. What it simply means is that if you’re in an accident, whether you’re at fault or not, your car insurance company will pay for your injury claims up to the limit specified in your policy. While how this works varies by State, you may lose some rights to sue under this no-fault type of system.
In Florida you are required to carry Personal Injury Protection or (PIP) coverage as well. PIP coverage helps pay necessary medical costs for you and your passengers in the event of an accident. Florida requires a minimum of $10,000 worth of coverage. You certainly may look at getting more to be properly protected. Florida also requires minimum coverage of property damage liability of $10,000 as well.
While Florida doesn’t require uninsured or under insured protection, it’s a great idea to have it because getting into an accident with someone that doesn’t have insurance or has too little happens more often than most people think.
When you’re quoting your insurance with us, you can add different types of coverage and vary the amounts of coverage to see what impact it’ll have on your premiums to make the decision if the coverage is right for your. To begin quoting cheap car insurance in Florida for young drivers, simply enter your zip code at the top of the website into our quote engine and select the type of insurance “auto” and you’re off to the races. Make sure to get three or more quotes so you’re sure you’re getting the best pricing possible for your situation. We hope you enjoy the savings!