If you are driving in the state of Florida, you need to have auto insurance. There are better times to shop for this than others. Knowing the best times will make it easier for you to get the necessary coverage and get a great price at the same time.

AFTER THE STORMS

Storms can wreak havoc on your vehicle. If you are on the road, you may experience hail the size of golf balls. This can damage the clear coat of your car, the metal frame, as well as crack the windshield. You may also deal with a significant amount of water, which can cause you to veer off the side of the road. If you have your car parked at home, a tree or debris could cause damage to your vehicle.

If you wait until after the storms have hit, you can be sure that the worst of things are behind you. You don’t want to get into a situation where you are currently pricing out insurance because if you have to file a claim, it may impact the cost of your upcoming premiums.

Insurance companies have been known to up the cost of a premium after filing a claim, even if it wasn’t your fault. If you try and get insurance quote it to you immediately following a claim, the updates may not be in the system and you may be falsely quoted. As soon as the updates are made, your quote could go up – and this is because of the claim you have to file. All of the insurance company share this kind of information, so there is no way to hide it.

BEFORE YOUR POLICY IS DUE

Typically in the state of Florida, policies are valid for six months. You want to be sure that you take the time to shop for auto insurance before your policy is up for renewal. This will make it easier to make the change – otherwise, you will need to cancel mid-all the way for a return on premiums that you have already paid.

If you are unsure as to when the policy is actually valid, you can look at your insurance card. Then, you may want to make a note on your calendar so that you have a reminder to shop for auto insurance in Florida.

Regardless of what you are paying for your auto insurance premiums right now, it’s a good idea to shop for new insurance at least once a year. This will give you the chance to lower your premium and potentially save some money. You can always choose to lower your deductible, but you also want to take into consideration when the storms are, and when your policy is due. This will make it easier for you to determine when the right time shop actually is so that you get the best options provided to you.