You want to pay attention to car insurance premiums in Florida. The goal should be to get the most affordable premium possible. Not all companies and not all people are able to get the same quotes. This is because there are various aspects that go into quotes – and why companies take an individual approach.

DRIVER HISTORY

A driver’s history is a very important aspect of how car insurance in Florida is calculated. If you are a safe driver, you are going to be awarded with a more affordable policy then someone who has a history of being involved in multiple car accidents.

Your driver’s license number will be requested, and this will be done in order to conduct a search. Accidents, speeding tickets, and other features that speak to your driving ability will be placed into consideration.

SAFETY OF CAR

When you request car insurance quotes, you are asked for the VIN number of the vehicle. The reason for this is to look at the various safety features that are incorporated into it. Airbags, antilock brakes, security alarms, and more are going to help you get more affordable insurance because it shows that your car is capable of preventing various accidents.

ZIP CODE

Your ZIP Code is taken into consideration as well. Some areas of Florida are considered safer than others. Cities such as Miami have a reputation for being busier, and therefore more accidents are likely to happen. Even if you are the one involved in the accident, or it isn’t your fault, there is the greater likelihood of you being involved in an accident, and therefore it may cost you a little bit more on your monthly premiums.

DISTANCE TO WORK

The distance you travel to work is also going to be factored in. If you have a longer commute, you are going to be on the road longer. This means you may be more apt to be involved in an accident if you are going to be driving more. Generally, when you are filling out a quote for insurance, and agent will ask you whether you are using your car or commuting or for pleasure. If you work from home, you may be able to say that you drive for pleasure only – and this is because you will be on the road on a daily basis. It may drop your premium by a few dollars a month.

INSURANCE COMPANY

Finally, every insurance company calculates the different aspects differently. Some insurance companies provide added benefits, such as roadside assistance, online billing, and more – and these may ultimately affect your premium in one way or another. Since every company is a little different, it is of the utmost importance that you get quotes from multiple companies. This will give you a point of comparison so that you aren’t overspending on your auto insurance in Florida.