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Fort Lauderdale Car Insurance

Fort Lauderdale car insurance will cost Florida residents, on average, $1700 this year[1]. However, there are several ways to get a much lower price on your car insurance without sacrificing the amount of coverage you choose. When it comes to purchasing Fort Lauderdale car insurance it is important to not only compare Florida car insurance online but also familiarize yourself with the various types of coverage as required by law as well as the various discounts that you could be eligible for.

Fort Lauderdale Auto Insurance Rates

All drivers living in Fort Lauderdale need to purchase some level of coverage for their vehicles. This is required by law. Florida operates under a no fault system which means your coverage company will pay for the damages to your car, regardless of who is found at fault for the accident. Compared to a tort system, which is how most states operate, the no fault system is a lot less complicated.

Fort Lauderdale residents will need to purchase personal injury protection and property damage liability under the state requirement. The minimum coverage you have to purchase is $10,000 but most drivers will purchase at least $100,000 of each to keep them covered just in case. Personal injury protection will pay for any medical related costs to you and your passengers while property damage liability will pay for any costs related to your car up to a certain amount.

Be sure to compare the fine print to see what is included in each policy when comparing Fort Lauderdale car insurance. Some policies will offer more comprehensive coverage and will include payment for towing related costs and rental car fees while others will not. You might want to consider roadside assist, loss of use coverage, uninsured motorist coverage and comprehensive coverage on top of the basic coverage policy for more complete coverage on the road.

Best Fort Lauderdale Vehicle Insurance

If you are living and driving in Fort Lauderdale, FL and are tired of spending too much on your coverage, then there are several things you can do to lower your premium. Contrary to popular belief, you are not stuck with the same rate with each provider. You can check teenager car insurance quotes online to see what each Fort Lauderdale provider will offer you.

Understanding how your rates work is one of the easiest ways to find a better rate. In general, every provider will rank each driver based on their risk level on the road. The higher your risk level, the higher your Fort Lauderdale car insurance will be. So, essentially, the easiest way to get a better quote on your coverage is to lower your risk level on the road.

So what makes up your risk level assessment? There are a variety of things that providers will consider including your age, gender and marital status, all of which you cannot change. However, the safety rating and theft rating of your car and your driver history will also dramatically impact your rates, both of which you can work on. Start by making your car as safe as possible. This may mean installing safety and anti theft devices into an older model. The safer your car, the lower your Fort Lauderdale car insurance will be. Second of all, take the time to be the best driver you can. This means avoiding the roads during dangerous conditions such as at night or during wet stormy weather and always obeying the speed limits and traffic signs when you are on the road. You can also improve your risk level rating by completing a drivers’ education course which will improve your safety level on the road as well.

Because there are so many different insurance providers out there, many will offer certain deals and discounts in order to get ahead of the competition and gain business. You can use these incentives to your advantage. For example, if you are over the age of 55, then you may qualify for a mature driver discount which is offered through several different companies. If you only drive once and a while then you could qualify for a low mileage discount. Keep in mind that not all providers will offer this incentive which is why you should compare auto insurance quotes online to get the best rates possible.

Compare Quotes Online

You may be paying too much on your Fort Lauderdale automobile insurance simply because you are insuring with the wrong company or because you have not demanded a better price from your current Fort Lauderdale agent. When you compare vehicle insurance quotes online you will have instant access to a multiple quotes from companies across Fort Lauderdale, FL and the nation. You will have all the information you need to make the switch to a better, more affordable Fort Lauderdale car insurance policy.

[1] 02/02/2011


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