It happens when we are on the phone trying to get this really boring errand out of the way. We say yes to the insurance agent that is securing our car insurance, and then wind up annoyed for the rest of the year because our premiums feel too high. They might be. 

At Karla Salmon Insurance, we want Oviedo, FL drivers to have what they need on the road.  You don’t have to say yes to everything. We can help you to determine the best policy for your needs, and it doesn’t take long to do that for you at all.

Here are some ways to avoid paying too much for Florida auto insurance.

Increase Your Deductible

It is a given that your rates will go down if you have a high deductible. You are assuming some financial risk in the event of an accident, and this risk brings your premiums down. Pick a realistic amount for you, and this will help you to avoid buying too much auto insurance.

Buy What You Need

Do you need a special rider on your Florida auto insurance for all of those times you rent a car? It can help if you rent a car a lot. Do you?

It can sound like an exciting add-on, and it is if you will use it. Add on to your policy only the things that you know you will need. If you already have AAA for roadside assistance, you don’t need to add it to your car insurance. 

Watch Collision Insurance and Comprehensive Insurance Rates

If your car has a lower value or is very old, you may not need either of these additions to your auto insurance policy. If, for example, the blue book value of your vehicle is less than $2,000, it might not be worth it. The amount you pay for that in insurance could be saved for a better car down the road.

You won’t get a full replacement value in the event of a collision, and insurance companies reach a point where repairs worth more than the car lead to a write-off.

You don’t always need collision and comprehensive insurance unless a lender requires it. They are great to have, but a waste of money if your car is older.

Get a Quote

When you are looking for auto insurance in Florida, it’s easy to overbuy. Avoid that by thinking more about what you need. At Karla Salmon Insurance, we want Oviedo, FL drivers to have what they need to get the premiums that work best for them. Call us for a quote today.