The bare minimum for auto insurance in Florida is sufficient coverage for property damage liability and personal injury.īut you havé to make suré you take thé appropriate steps tó switch, because yóu dont want tó have a Iapse in coverage. The next thing which you need to do is find a minimum of three insurance providers that can offer you with the insurance plan you need.You can séarch for any néw wela kátha in our wébsite and pick thé best walkatha9 fór you.

If they have had to file a claim with the insurer, they could tell you in person about their customer service experience. It is also a good idea to get referrals from family members, colleagues and other people whom you trust, Salvatore says. It may make more financial sense to stay where you are, or switch both policies to a new provider that will give you a rate reduction for both.In addition to speaking to your current agent or insurance company about your options, you can look online to research potential companies and obtain quotes. For example, if you're already getting a homeowner's and car-policy rate reduction from your current provider, and you then move your car insurance to a different company, you may lose the discount you receive for homeowner's insurance. You may be eligible to receive discounts you're not getting.Here's a list of common insurance company discounts, according to the NAIC: Having safety devices in the car, such as anti-theft features Having a good driving record Driving a low number of miles a year Having multiple cars on the same policy Being a student who gets good grades Insuring both your home and car with the same providerWhile you're reviewing discounts, be aware that switching to a new provider could affect discounts you already have with other types of insurance.

Even if you're not happy with your existing policy (if you think the premiums are too expensive, for example), ask if there are ways to lower your rate for the same amount of coverage, says Salvatore. A good first call is to your current insurance agent or the insurance company itself (some insurers, such as Geico and Progressive don't work with agents). Shop around.Once you're familiar with your current policy, it's time to look for alternatives. When you're more informed about your current coverage, it can help you become a smarter shopper.2.

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