4 Tips to Choosing the Best Florida Auto Insurance for You

Picking an auto insurance policy can be daunting and understandably so. Understanding the proper approach to finding the perfect policy is crucial because there are various factors that play into how your policy is formed.

You should be aware of the following elements to get the best Florida auto insurance for you:
1.    Use Insurance Comparison Tools
Comparison tools allow you to shop around and compare the pricing between insurance carriers. Using this to your advantage, you can ensure the best pricing for your insurance needs.

2.    Know What You Are Insuring
You can find the best insurance policy by knowing what you want to insure. Several types of insurance policies differ greatly in their coverage. For instance, collision coverage, covers damage on your vehicle up to the blue book value, whereas bodily injury liability protects against injuries, death cases, and your legal costs if you hit somebody.

3.    Understand Your Demographics
Who you are plays a substantial role in what policy you should get. Key factors to remember when it comes to demographics and their role in insurance are as follows:
Age – People under the age of 25 generally pay higher insurance premiums because they are a higher risk.
Sex – On average men pay more than women because they tend to get in accidents more often.
Driving record – The cleaner your record, the better your chances of having a lower rate.
Where you live – Drivers in the suburbs pay significantly lower rates than those in higher populated urban areas.

4.    Set Your Deductible
If an agency allows you to set your deductible, consider it an option depending on your driving habits. The higher your deductible, the lower your premiums.  If you drive safely, you benefit from never having to pay the deductible while also enjoying low premiums. Conversely, if you are accident prone, a lower deductible would be more advantageous.

Find the Right Policy for You
Finding your policy is arduous, and there are many considerations to take. Corkhill Insurance Agency has been in business since 1975, ensuring we have the experience to help you find just what you need in an auto insurance policy. Call now for a free quote at (407) 898-8891.