What is the importance of doing some comparison shopping for my car insurance here in Florida?

Hailey

Gulf Breeze-Harold, FL

Just like any other thing that you want to purchase, it would be a sensible move to compare auto insurance quotes prior to signing up with a particular auto insurance provider in Florida. The reason behind this is that there could be a huge variation in auto insurance premiums from one insurer to another, and you could actually save a lot of money by making comparisons. So the choice is ultimately yours if you want to waste money by not doing some comparison shopping. But certainly, you wouldn’t like to get on the phone and call up insurance carriers one by one.

Luckily, there are a lot of online websites that would let you do some comparison among auto insurance premiums from a lot of carriers. You may either visit a particular auto insurance carrier’s website or use a comparison quotes sites wherein you would just put in your information once and you would come up with several auto insurance quotes from various carriers. However, there is something that you need to be careful about when you are comparison shopping. One auto insurance carrier may give you the lowest quote that is relatively lower than all other quotes. Don’t immediately choose the cheapest premium and you have to go over the policy and read everything including the fine print.

I have a DUI conviction here in  Florida and I was told that my auto insurance rate would increase. Is there a way that the insurance company doesn’t find out about it and my rates will stay the same?

Kacey

North Westside, FL

Auto insurance providers obviously would not be happy if they find out about your DUI conviction in North Westside, Florida. They would carry out serious penalties to people who have DUI under their belts. But this would only happen if they discover the DUI conviction that you have. A lot of auto insurance providers don’t check their client’s driving history any more than once every three years. Because of that, those who have DUI convictions could get away with any penalties the insurance providers typically carry out.

If your auto insurance provider finds out about your DUI, they could increase your premiums or they could cancel your policy altogether. Depending on the auto insurance carrier and their regulations concerning auto insurance after DUI, your insurance rates could not rise at all. Some of them would look at your driving record and make their decision based on that. DUI conviction could cause a lot of problems for motorists. Most state laws allow three years for an auto insurance provider catch up on DUI convictions. If they get wind a client having DUI, they could legally decide to increase their insurance rates or cancel the policy.