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A sensible strategy to lower your car insurance cost for life will save plenty of money. These five tips apply to every policyholder. Smart consumers, with good agents, pay less for their insurance. 1. Review rates frequently. Keeping lower cost auto insurance up-to-date requires flexibility. Car insurance companies typically change rates twice per year. Rate adjustments apply to new policies and existing ones too. When rates change, underwriting rules are usually adjusted also. After several years of a hard market, Florida auto insurance is now experiencing a soft market. This type of market is characterized by lowering rates and easing underwriting requirements. For example, several key companies are now accepting applications for risks with a prior PIP claim, and at reduced rates. Formerly it was very common that all companies refused risks with any type of PIP claim. Drivers who had a PIP claim, through no fault of their own, were forced to buy insurance from the Florida Joint Underwriting Association which is the state pool for drivers who are unable to secure a policy in the private market. 2. Adjust for life cycle events. Changes in your life can greatly affect your auto insurance price. A great example is a teenager receiving their learners permit. Some companies charge additional rates immediately, while others wait for the full operators license. On the opposite side of this spectrum is the senior driver. Rates and underwriting rules for older drivers become increasingly severe as the driver ages. Often it is best for these drivers to stay with the company they have been with than to switch to another. When a policyholder has a favorable history with their company it can be helpful in a variety of ways. Most notably, some companies offer a guaranteed renewal option for policyholders that have been loyal for a certain period of time such as 10 years of continuous renewals. 3. Examine all options. Remove policy options that provide unnecessary or duplicate coverage. Consider reducing or eliminating medical benefits when other health insurance is available. Consider raising deductibles. Florida PIP includes coverage for lost wages which can be excluded. Naturally, if a driver is retired and not working there is no need for this coverage. Rental car and roadside assistance may not be necessary if there are multiple cars in the household, or if the manufacturer provides this coverage, which is often the case for later model vehicles. Many companies offer discounts for longer term policyholders, such as a vanishing deductible or accident forgiveness, so, before making a switch consider these types of valuable options. 4. Discover every discount. Many car insurance discounts are not obvious or automatic. Advance quoting, advance placement and hybrid vehicles are a few. Ask your insurance agent about every available discount. The pay in full discount is available from every company, however, some of them offer very deep discounts for a policy that is paid in full. When shopping and comparing companies it is important to inquire as to the price when payments are made and when it is paid in full. Very often a company may be very competitive when a policy is paid for in full and not at all when a payment option is utilized. 5. Qualify for the tier with the lowest rates. Qualifications for the tier (category) with the lowest rates include; prior continuous insurance, an excellent driving record, and a good credit score. These are common factors all in your control. Sometimes the only factor from being elevated to a more favorable tier is the amount of liability being purchased. It is not uncommon for a policy to be less money at 25/50/25 or even 50/100/50 liability compared to 10/20/10 for the same exact risk. Savings from maintaining lower cost auto insurance can accumulate rapidly. Start today and continue to lower your car insurance cost for life. Reviewing rates frequently, adjusting for life cycle events, examining all options, discovering every discount, and qualifying for the tier with the lowest rates are included in a sensible insurance strategy. The entire staff at Florida Auto Plus Insurance is dedicated to helping drivers receive the lowest possible Florida auto insurance quote. Our experience is evident the moment you call for a quote or need your questions answered. Florida Auto Plus Insurance provides competitive Florida auto insurance quotes. How Much Does Insurance Cost: http://howmuchdoesinsurancecost.com/ Is our informative website which includes a self quoting option and these topics; how much insurance do I need, and how much is auto insurance, FR44 or DUI, SR22, and home / flood insurance. Additional detailed Florida auto insurance information, for drivers and insurance agents, can be found at http://floridaautoplusinsurance.com/ which also includes a self quoting option. Visit our Sites or give us a call. We want to help you! Florida Auto Plus Insurance Agency. 1-877-WIZ-AUTO (949-2886). Thank you, Cliff. Article Source: https://EzineArticles.com/expert/Clifford_J_Schimek/259660 Article Source: http://EzineArticles.com/2541921