3 Auto Insurance Tips for Floridians with Awful Driving Histories

While no one wants to have a bad driving record, it can happen to anyone, and it can make it tough to find affordable auto insurance. Fortunately, there are ways to make the experience easier for any driver in Florida.

While no one wants to have a bad driving record, it can
happen to anyone, and it can make it tough to find affordable auto insurance.
Fortunately, there are ways to make the experience easier for any driver in
Florida.

If your driving record took a hit recently, several auto insurance tips could help you find the most affordable insurance premiums. There are also ways you can find the right quote for you and your family – without sacrificing coverage options.

  • Save

What You Need to Know About Auto Insurance in Florida

Every vehicle that is registered in Florida has to have a
no-fault auto insurance policy. This policy is designed to offer basic coverage and financial
protection. A no-fault auto insurance policy has two coverage types:

  • Personal injury protection (PIP): Regardless of who is at fault in an accident, PIP coverage
    will pay for up to 80% of “all necessary and reasonable” medical expenses for
    you and any passengers in your vehicle. You need to have at least $10,000 in
    PIP coverage.
  • Property damage liability (PDL): If you cause an accident, PDL coverage will pay for any
    damages you, or an authorized driver of your car, cause to another person’s property. This does not cover damage to your vehicle. You need to carry at
    least $10,000 in PDL coverage.

While these are just the minimums for driving in Florida, if
your vehicle is financed, you may have to carry a full coverage insurance
policy. A full-coverage
policy
may include coverage types like:

  • Bodily injury liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage

You’ll also have the option of choosing additional services
like roadside assistance or rental car coverage. All of these options are available
to you regardless of your driving history – the only thing that might change is
the cost of your coverage options.

A Fiorella Insurance Agent can help you choose insurance that’s right for you.

3 Auto Insurance Tips for Floridians with Bad Driving Records

A bad driving record can make it frustrating to purchase
auto insurance. It can increase the cost of your premiums and limit what
companies you work with. There are, however, several auto insurance” href=”https://fiorellainsurance.com/auto-insurance/” target=”_blank” rel=”noopener” data-wpil-keyword-link=”linked”>auto insurance tips that
can make the process a little bit easier.

1. Get multiple auto insurance quotes.

The best way to find the right auto
insurance policy
is to compare multiple quotes. Reviewing auto insurance
quotes from different companies will give you insight into how much premiums
cost and which companies offer the best value. Compare these key components of
your quotes:

  • Claims process and policies
  • Coverage types and limits
  • Deductibles
  • Discounts
  • Features

If you have multiple vehicles or drivers, include them on
every quote so you can see how the cost of each coverage type is impacted.

2. Set a budget for your premiums and deductibles.  

A bad driving record typically results in higher premiums,
but there are ways to reduce those premiums. One way is to increase your deductible.
A higher deductible will generally result in a lower policy premium, which can
make monthly payments easier on your budget.

If you do choose a higher deductible for your full coverage
policy, it’s a good idea to budget for that in case you are in an accident.
You’ll need to pay your deductible before your insurance company covers damages
to your vehicle.

Another thing to consider is whether your vehicle is
financed or not. Some financing companies have a maximum deductible amount.

3. Take advantage of auto insurance discounts.  

Though having a bad driving record can impact your premiums,
there are still ways you can save money on your auto insurance policy. Auto
insurance discounts are one of the most effective ways to reduce insurance
premiums, even for drivers with a bad record.

The most lucrative auto insurance discounts include:

  • Defensive driving discounts
  • Good student discounts
  • Multipolicy discounts
  • Multivehicle discounts
  • Safety features discounts

If you’re working on improving your driving habits, you may
qualify for other discounts like safe driving discounts and vanishing
deductibles.

Auto Insurance Tips for Finding the Right Quote

Even with an excellent driving record, finding the right
auto insurance quote can be a difficult process. Every insurance company has a
different method, and the quotes can be confusing. Finding the right quote
doesn’t have to be hard, though.

Use these auto insurance tips to help find the right quote
for your needs:

Finding the right auto insurance quote takes time, but if
you have a bad driving record, it’s worth the effort to compare as many quotes
as possible.

Auto Insurance Tips for Finding the Right Insurance Agent or Broker

You can put a lot of work into finding multiple quotes, but
that takes more time than most people have (or want) to spend. If you want to
save time and get the best auto insurance quote, consider working with an
insurance agent or broker.

A Fiorella Insurance agent or broker will be able to get you multiple
auto insurance quotes, review them in detail with you, and help you choose the
one that is right for you and your family. They also know how to get the most
out of discounts and additional features. Need help finding auto insurance with a bad driving record? Contact Fiorella Insurance Agency
today to review your options.

Request an Auto Insurance Quote

Find Affordable Auto Insurance In Florida.

By submitting my information, including my home and/or wireless number, and pressing Continue, I agree to this site’s Privacy Policy and consent to be contacted by Fiorella Insurance for free, no-obligation insurance quotes, and follow up communication, including but not limited to health insurance, homeowners insurance, life insurance, as well as related products. I acknowledge these companies may call via an automated dialing system, use a pre-recorded message, or send SMS messages. Standard message and data rates may apply. Message frequency varies depending on activity. Text STOP to opt-out. Text HELP for customer support. I recognize and understand that I am not required to provide this authorization in order to purchase goods or services.

Leave a comment

Your email address will not be published. Required fields are marked *

Auto Insurance

Get a Quick Quote Today

Speak to an Expert Licensed Insurance Agent Now Only takes a few minutes.
(772) 283-0003

Open
9 am to 7 pm ET Mon - Fri.
9 am to 5 pm ET Sat.

About Fiorella

We will steadfastly pursue a work environment that fosters growth both on an individual and corporate level.

Our culture will support and inspire friendships, responsible work-life balances, positive attitudes and open communication.

Recent Posts

The Insurance Blog

Subscribe to Our Blog and Receive Notifications About Insurance.

Tu Privacidad

Al enviar mi información, incluido mi número de teléfono y / o teléfono móvil y presionar en continuar, acepto la Política de Privacidad de este sitio y doy mi consentimiento para que Fiorella Insurance y / o sus Afiliados se comuniquen con nosotros de forma gratuita, cotizaciones de seguros sin obligación, y comunicación de seguimiento, incluyendo pero no limitado al seguro de salud, seguro de vivienda, seguro de salud y seguro de vida, así como a productos relacionados. Reconozco que estas compañías pueden llamar a través de un sistema de marcación automática, usar un mensaje pregrabado o enviar mensajes SMS. Reconozco y comprendo que no estoy obligado a proporcionar esta autorización para comprar bienes o servicios.

Haga click o toca para llamar:

(772) 283-0003

About your Privacy

By submitting my information, including my home and/or wireless number, and pressing Continue, I agree to this site’s Privacy Policy and consent to be contacted by Fiorella Insurance and/or its Affiliates for free, no obligation insurance quotes, and follow up communication, including but not limited to health insurance, homeowners insurance, Health insurance and Life Insurance, as well as related products. I acknowledge these companies may call via an automated dialing system, use a pre-recorded message or send SMS messages. I recognize and understand that I am not required to provide this authorization in order to purchase goods or services.

Click or touch to call:

(772) 283-0003

0 Shares 5K views
5K views 0 Shares
Share via
Copy link