Two Things to Look for When Buying Auto Insurance in Florida

Auto Insurance in Florida

Buying car insurance in Florida has come a long way since the days of meeting with an agent at the insurance office. There aren’t a lot of brick and mortar agents left. There are even fewer physical insurance company offices. Now, you can purchase a policy in minutes over the Internet on websites like this. But the ease with which you can get car insurance doesn’t mean you should take the process lightly. When it comes to an accident, you want to make sure you did your homework before buying the policy that will pay to fix your car. Here are three important items to look for when purchasing or renewing your Florida auto insurance policy.

Is Uninsured Motorist Covered?

Uninsured motorist (UM) coverage pays for damages and liability if your car is involved in an accident with a driver who does not have insurance. In most states, it’s required to carry Florida car insurance. But that doesn’t necessarily mean every driver has it. And if one of them hits you without coverage, you’ll be hard pressed to get any money to cover damages if you don’t have UM attached to your policy. The best bet is to ask the agent if you have it or can add it. Even if they say you have full coverage, make sure that means UM is included. For some auto insurance agents, that is not always the case. Some feel personal injury and bodily injury make up complete coverage. But ask someone who has been in an accident with an uninsured motorist. They’ll tell you quick that UM should be part of anhy full coverage. It’s up to you to make sure it is.

Are You Getting All the Discounts?

If you’re getting or renewing a family policy, most carriers have a built-in discount when the policy covers multiple drivers. Still, you need to inform them and give the pertinent info to qualify for the discount. In addition, safe driver discounts are growing in popularity and give you a cut rate on your policy if you have not had any traffic tickets or accidents. Again, most representatives and online forms will ask if you qualify according to, but it is still the driver’s responsibility to provide the right info for a discount on your Florida auto insurance. Also check on discounts for being a member of a professional association. Many associations have deals with the insurance companies to provide discounts to their members. The best bet is to ask and see if your association is on that list.

Do Your Homework 

As easy as it is to buy insurance, it can be that easy to go over your policy options and make sure you have the right coverage and the right discounts. By ensuring UM is added, you take away the risk of paying for damages on your own when you’re in an accident with an uninsured motorist. And by asking about discounts, you may find ways to save money you never thought existed. Getting auto insurance in Florida has become easier. But you can make sure it’s done right as well.