5 Ways to Reduce Car Insurance Rates in Florida 2022

5 Ways to Reduce Car Insurance in Florida 2022 

  1. Do research.  Insurance rates are determined on a variety of factors.  Some involve the vehicle itself.  The replacement cost as well as the vehicle's features will affect the rate.  The same vehicle if leased will tend to be more costly to insure than if it is being financed or if you own it outright.  In addition, the individual safety features of the vehicle such as, anti-theft devices, collision warning and blind spot detection, anti-lock brakes, airbags and lane keep and lane departure warnings.

  1. Shop around.  Simply accepting the first rate you are offered doesn’t always mean it is the best rate.  Some websites allow you to compare rates side by side.  This can be a very effective tool.  If you choose to call a company directly to get a rate and let them know you are shopping around!  Ask the agent directly if there are additional discounts available to you.

  1. Consider changing your deductible.  Simply put, the higher the deductible, the lower the risk to the insurance company.  If you are confident that you are a safe driver, and the potential higher initial out of pocket costs won’t overly affect you, see the difference in raising the deductible.  When comparing the difference in rates, calculate the “break even point.”  This can be calculateed by dividing the difference in deductible by the difference in monthly payment to determine how many months will it take you to start saving.

  1. Multipolicy benefits.  It is very common for insurance companies to give benefits when you purchase a variety of policies from them.  Choosing to bundle home, life, and auto is worth looking in to.

  1. Maintain a good personal driving record.  A safe and clean driving record is an essential way to reduce insurance costs.  Moving violations or vehicular incidents have a direct impact on insurance rates.  If you have any points on your record, or if you want to show you are a safe driver consider taking a safe driving course to reduce points incurred from using your phone while driving or a basic driver improvement course approved by your insurance company that can help remove points or traffic tickets from your driving record.  Discounts for senior drivers who take online driver safety classes are available. Online driving classes are a great way to act quickly and work at your own pace!

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Defensive Driving Course Georgia

Defensive Driving Course Texas

How a road assistance service helps you—even when you aren’t on the road

Whether you are traveling by car, truck, RV, motorcycle, or bicycle, road assistance services can help you out. They can even come to your aid when you’re out on the water by providing boating assistance. But road assistance services go far beyond that. In fact, they can help you out even when you’re not behind the wheel. Depending on the service you sign up for, you can get benefits that extend to identity protection, purchasing a car, and giving you a discount on your dinner tonight.

Most Delicious Foodie Road Trips in the US (Road Trip Series Part 12)

When you’re on a road trip, the question always arises: What are we going to eat? What if you changed that around and took a road trip just to eat? What if your road trip took you to the tastiest bites and also to explore culture and history? A culinary road trip tour gives you that unique sense of place. After all, one of the best ways to experience a culture is through its food. Which are the most popular foodie road trips in the United States? Let’s take a look at the four of the most delicious foodie road trips.

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Perhaps this one phrase will be enough to motivate you: the world’s largest trees. Yes, it’s worth the drive or flight out to Sequoia National Park to see these colossal giants that are a silent testimony to centuries—and even millennia—of national history.

Why Visiting Glacier National Park is a Hot Idea (Road Trip Series Part 10)

It stands tall in the northwest corner of Montana. It’s been called the backbone of the world. It straddles the Rocky Mountains and is a place where two sides of the continent meet. And don’t be scared by its cold name, you can find ways to stay warm while you visit! The one million acres, or 1,583 square miles, of The Glacier National Park are made up of mostly untamed and breathtaking wilderness. Beautiful all year round, you can bike on the Going-to-the Sun-Road, drink in the fall foliage, or venture out for cross-country skiing.

Why You Should Visit Grand Canyon National Park (Road Trip Series Part 9)

Arizona has many claims to fame, but it’s mainly known for the breathtaking Grand Canyon National Park. It runs 277 miles along the Colorado River and stretches down a full mile deep. The unbelievable beauty and dramatic scenery of this park attract worldwide attention. Bands of rock in varying colors create a stunning landscape of beauty. Many have found it beyond words to describe and even difficult to capture in photos. The seemingly unending views make it one of the 7 natural wonders of the world. It’s not surprising that more than 6 million people visit the park every year. Why should you visit the Grand Canyon National Park? Here we list our top reasons why you should not miss out on this spectacle.

Make the Most of Your Cross-Country Road Trip in the Southern USA (Road Trip Series Part 8)

From Virginia to Los Angeles, the southern USA has an abundance of gorgeous scenery and diverse cultural experiences. Explore big cities and admire ghost towns from the past. Get away from it all by visiting barren deserts or lush forests. If you have plenty of time and a desire to see it all, you can try to make the entire coast-to-coast trip in one go. If you’d like to take a more leisurely pace for your adventures, you can break your trip down into separate areas and then explore the south in several shorter trips. Where should you go? We’ve outlined some of the hottest spots to visit throughout the southern USA.

Tips for Traveling in a Motorhome—Campground Safety (Road Trip Series 7)

You and your family are over the moon about the first road trip in your motorhome. But you’re worried about staying safe in the campground. You’ve heard rumors of wild animals, theft and campfires gone wrong. How can you stay safe in a motorhome campground? In this article, we cover six areas of campground safety and how you can avoid potential dangers.

Tips for Traveling in a Motorhome—How to Save Money on Gas (Road Trip Series Part 6)

You love to travel in your motorhome—the scenic views, the comfortable seats, and the freedom to travel where you want and when you want. But when it comes time to gas up the motorhome, your heart always skips a beat. How can you lower the costs of gas during your road trip?

Tips for Traveling in a Motorhome—How to Get Set Up (Road Trip Series Part 5)

You’ve set out on your first adventure with your motorhome. You picked your campsite carefully, arrived without a glitch, and checked in. You’re relieved to see the reserved site is just the size you expected. But how do you set up your motorhome?