How does a resident of Florida save money on their auto insurance policy? By following the steps below, drivers can learn ways to reduce their spending on insurance but still find great coverage.

1. Always shop around. The greatest deal may go unknown because the driver omitted looking at what other companies were offering to their policyholders. Somewhere in the past the driver decided it wasn’t worth his or her time to look into what the competition’s asking price was going to be. Somehow it was placed in their minds that they could never see a cheaper rate because of their driving history. Or, maybe a few years back they tried to find a lower rate but could never find one so they figured it wasn’t worth their time to continuously search.

While all of these situations can be validated, they shouldn’t be repeated. Not now, especially since QuoteClix.com provides the easiest way for drivers to shop around. While we’re not an insurer, we do pair drivers with insurance companies to help those drivers find the best rates. How can we do this? Well, residents of Florida may enter in their zip code and fill out the short questionnaire with answers regarding basic information about the vehicle and driver needing insurance, as well as the coverage options they want. They answer those questions one time, and we’ll provide a list of quotes from car insurance companies. The quotes come in a side by side format that allow the driver to easily see the cheapest rate. The names of the providers are listed next to the price.

Shopping around frequently will help drivers save. Rates are changing so it’s up to the driver to know how to shop around. Each year, insurers can raise or drop rates with all of their customers. If your insurer has increased your rates, don’t be afraid to see what else is available to you from other companies.

2. Discounts are for many drivers. That’s right, many drivers can make a few changes in their driving habits to be eligible for more savings on their policy. While each insurer has their own discounts and terms for eligibility, there are some known discounts that are carried by the majority of insurers. One of which is the infamous good driver discount. This discount will be given to drivers who carry a clean driving record or only have one to two traffic tickets within the last three or so years. Don’t fall into this category? Then continue in the discount search for one that you could qualify for, and in the meantime work on obeying traffic laws to decrease the number of future tickets and accidents. Drivers who are of student age can qualify for a good student discount when they can prove through their report card that they receive high grades in school. Insurers have seen the relationship between students receiving a B+ average or higher and their ability to keep a clean driving record. The insurers feel they can reward these students for their responsible behavior with a discounted premium. For drivers who aren’t students, they can become a student of a defensive driving course offered by their insurer. These types of courses teach drivers additional driving skills that may help them learn how to hone in on and sharpen their driving skills to avoid future accidents. Once these classes are taken and passed, the insurer will offer a discounted rate on the driver’s premium because they feel the driver will be safer while on the road.

3. Drive insurance friendly vehicles. The terms “insurance friendly vehicle” refer to a vehicle that offers safety features and isn’t overly expensive, or in other words a vehicle that is cheap to insure. Driving through Florida in a convertible may be the dream of some drivers, but they should realize that if that convertible is a fancy, flashy sports car, the insurance for such a vehicle is going to be quite pricy. Always remember that an expensive car is also expensive to repair. Insurers will charge higher premiums for vehicles that could cost them a large amount of money to fix should it be damaged. They plan ahead for these expenses and charge high amounts.

On that note, vehicles with certain safety features will be given discounts from the insurer, who feels that these safety features may ward off future accidents or thefts. Alarm systems on the vehicle, antilock breaks, automatic seatbelts, and airbags are only a few things that can lower a premium by offering a safer ride to the motorist.

4. Take other forms of transportation. Driving your vehicle less and putting less miles on it will result in a decrease in your premium rates. The less amount of time spent on the road equals a decreased chance the vehicle will be involved in an accident that will result in the insurer needing to shell out and pay for damages. Decreased miles equals decreased rates. There’s not much more to explain there. However, the question remains how will a person continue to perform their needed travel to and from work, school, errands, etc? Public transportation is available in much of Florida, such as taxi cabs and buses. People can also ride their bikes, especially in areas where it is warm almost year round.

To put these ideas together would result in giving the driver the best opportunity to save money on their Florida auto insurance. Shopping around provides the information about which companies are offering the cheapest rates and finding cheaper rates than what the driver is currently paying. On top of saving money there, drivers can find out which discounts they are eligible for and add up their savings. When they are driving a vehicle that will be less expensive to insure, they’ve knocked off more of their premium rate than what it would be if they drove something that cost more to insure. And finally, when they lower the amount of time and miles they spend on the road, the premium gets even cheaper. Florida drivers shouldn’t worry about how expensive it is to insure their vehicle; instead, use OnlineAutoInsurance.com as a resource to find ways to get your Florida car insurance for less.