Helpful Tips to Lower Your Premiums on Auto Insurance in Fort Myers, Florida

by | May 20, 2015 | Insurance

To legally drive a car in the state of Florida you’ll need two things. You’ll first need a valid Florida drivers license. Secondly, you’ll need auto insurance. While getting a drivers license won’t set you back more than $50.00, the same cannot be said for auto insurance. Whether it’s because of your age, gender, the type of car you want to drive or your past driving record, auto insurance can be quite expensive.

In some cases, it may be too expensive for you to afford. In these situations, your options are somewhat limited. You can forgo driving and rely on friends, family members and public transportation to get around or you can risk driving without insurance. Relying on others for transportation isn’t ideal and driving without insurance is ill advised at best. However, there is another option, and that is to lower the cost of your auto insurance in Fort Myers.

There are some things that factor into the cost of your auto insurance that you simply can’t change. Your age and gender are among them. Your past driving record, which might be causing your higher premiums, can be amended, but this will take time. It could take several months if not years to once again be considered a safe driver by insurance companies.

How you can impact your insurance prices in the short term is to look for discounts. Most insurance companies offer a wealth of discounts. They may not advertise all of these discounts, so you may have do some digging on your own, or ask an insurance agent. If you qualify for multiple discounts, you can have them all added to your policy and you could end up paying significantly less for your coverage.

You may also want to consider raising your deductible. You want to make sure your can afford a higher deductible before you go this route, but if you can, it can affect the cost of your insurance considerably. Raising your deductible from $250 to $1,000, for example, can cut the cost of your monthly premiums dramatically and make Auto Insurance in Fort Myers much more affordable.

There are other ways to lower your insurance bills, but these few suggestions are ones that virtually anyone can use. These tips may make it possible for you to have the coverage you need without paying a small fortune to get it.

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