Florida car insurance rates are typically the same as the national average. The average car insurance rate in Florida has gone up from $1,580 in 2007 to $1,685 in 2009.

The good news is that by September 2009 the rates have gone down to an average of $1,544.

However, it is still vital that you shop around to find the best deals and make sure you are not paying a cent more than you really have to. A sure way to find the lowest car insurance rates in Florida is to compare auto insurance quotes online. It is fast, easy and secure.

You will be really surprised at how much the prices can vary and bare in mind you could save between 5% and 40% by filling a simple form and comparing quotes online.

Each company has its own rules but in general their rates are based on your age, sex, marital status, driving pattern, claims history, location, credit history, and the make,and year of your vehicle.

These factors will determine which insurance market you belong to. There are three such markets:

  • Preferred market – Includes low-risk drivers with exceptional driving records.
  • Standard market – Includes the average driver who drives family-type cars and has a good driving record.
  • Non-standard market – Includes young drivers with less experience and drivers with multiple tickets, accidents, and bad driving history in general.

On top of this the amount of coverage you want, your deductibles level, and even your level of education, your occupation and your credit history can all adjust the rate you will pay.

Most drivers for example, do not even realize how their credit score can influence their car insurance rates, but it can, and you should regularly check your credit score before getting any auto insurance quotes to confirm there are no errors. Errors on your credit report could mean you get much worse car insurance rates.

Would you like to save up to hundreds of dollars on your car insurance? Compare Florida car insurance rates online now!

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