If you want to drive a car in the state of Florida then you are going to need to make sure that you have auto insurance to protect yourself, your car, and of course the other drivers on the road. There are many different types of coverage, from liability to comprehensive, and even uninsured motorist clauses so make sure you’re ready when you hit the road. While the idea of applying for and purchasing car insurance can be daunting to some people, it is actually far easier than you would think. Today we are going to discuss the three steps that you need to take when you are seeking out insurance. Don’t worry, it’s not nearly as difficult as you might think! Whether you need state min car insurance or something a bit more comprehensive, it’s easy to pull off. Let’s start at the beginning, with step one.
Step 1: Get your Personal Information Together
Before you can apply for car insurance in the state of Florida you will need to make sure that you have all of your information put together. Most of it will be memorized and some will be pulled from documents that you have. This information will include:
- Your Name (Maiden if Applicable)
- Date of Birth
- Place of Residence
- Previous Place of Residence
- Birth Certificate
- Payment Information
In addition to this information, it may be necessary for you to bring data relating to any criminal record that you might have, especially as it pertains to driving. It is also important that you do not omit this information as it could lead to a forfeiture of your coverage.
Step 2: Look for a Quote
You might be tempted to simply purchase the first plan that you come across and get it over with but we would strongly recommend that you compare quotes first. There are quite a few companies out there, all of which are offering different prices – making sure you get the right one is crucial! The quotes that you get will depend upon several different factors including:
- Your Town of Residence
- Driving History
- Accident Record
- Criminal History
There are other items that can be taken into account by the insurance company, but these are going to be the most common and they are what you should be worrying about as you fill out your application for state minimum auto coverage in South Florida. Read more about the laws regarding car insurance in Florida by clicking here.
Hint: You don’t need to go to each company individually – you can actually request a quote online without ever leaving your home.
Step 3: Compare the Quotes
Finally, before you proceed to purchase insurance, we would strongly recommend that you compare the quotes you get. You may find something that is less expensive, or you might find something that gives you better coverage. Some companies may permit you to compare your quotes directly from their website, for example, as you get your quote, you could tell it to compare with other insurance companies rather than going to each website individually and filling out all the relevant information. This is a great time saver and a great way to get an accurate comparison.
Finding auto insurance in Florida can be a complicated process, but if you stick with it and refuse to settle for the first plan that you come across, you’re sure to find a quote that not only saves you money but is perfect for your automobile. Auto insurance not only protects your vehicle, but also ensures that you are street legal, and minimizes your chance of incidence. Check out our offers today, sign up for a quote, and get yourself properly covered.