When you begin looking for the cheapest car insurance in Florida, you may think you can only find something like that in the larger cities like Miami or Orlando. Thankfully, that is not completely accurate. It is easier than ever before to find the cheapest car insurance in FL thanks to many different factors. Before you sign on the dotted line for your new car insurance policy, make sure that you are actually getting the cheapest car insurance in Florida.

Florida has one of the lowest sets of minimum requirements for bodily injury liability limits and for property damage liability limits. When it comes to getting the cheapest car insurance in Florida, you can stick with the bare minimums for these requirements, or you can purchase additional coverage. For individual bodily injury liability, Florida requires you to have at least $10,000 in coverage and for the entire accident the law in Florida requires you to carry at least $20,000 in coverage. For property damage liability, you must have at least $10,000 in coverage. With just this amount of coverage, you will be able to legally cover yourself and your vehicle and get the cheapest car insurance in Florida.

There are other things to consider when you look for the cheapest car insurance in Florida, however. If your credit rating is not so great, there are ways that you can counteract this problem and get better premium rates. For example, you can pay for your entire policy in advance instead of paying for it on a monthly or a quarterly basis. Car insurance companies appreciate this because they do not have to wait for their money, so they reward you by offering you the cheapest car insurance in Florida. If you can afford this option, you may want to go ahead and pay the entire premium up front.

Paying for the entire premium when you get your policy can help you get the cheapest car insurance in Florida in other ways, as well. When you pay your premium in installments, your insurance company charges you an additional fee called an installment fee. This charge is added to each payment, and raises your insurance so that you may not be getting the cheapest car insurance in Florida any more. The fewer individual payments you make, the lower your premium gets and you actually can receive the cheapest car insurance in Florida. Even if you are not able to avoid the installment fees, you may have other options available based on your situation that can help you to get the cheapest car insurance in Florida.

Each decision or option that your insurance carrier offers can mean the difference between getting the cheapest car insurance in Florida and paying more for the same policy and coverage. Know your options and you can make decisions that can lower your overall premium, sometimes by at least a hundred dollars. When you understand how insurance policies are calculated, it becomes much easier to purchase the cheapest car insurance in Florida.