Driving in Florida? 5 Mistakes That Can Wreck Your Auto Insurance Rates

Owning a car in Florida gives you the freedom to explore the Sunshine State, but if you’re not careful, the way you handle your auto insurance could be costing you far more than you realize. Many drivers make simple mistakes that lead to higher premiums, gaps in coverage, and unnecessary stress after an accident.

Here are five of the most common mistakes Florida drivers make—and how you can avoid them.

Mistake 1: Letting Coverage Lapse

Even a short break in coverage can raise your rates dramatically. Insurance companies see a lapse as a red flag, and you’ll be considered a higher risk driver. The key is to always keep continuous coverage, even if you’re switching companies.

Mistake 2: Carrying Only the Minimum Coverage

Florida requires only $10,000 in Personal Injury Protection (PIP)but the reality is that these limits are rarely enough in the event of a serious accident. Without proper coverage, you could be left paying thousands out of pocket and can possibly get sued.

Mistake 3: Skipping Uninsured Motorist Coverage

Unfortunately, one in five drivers in Florida are uninsured. If you’re hit by someone without insurance and you don’t have uninsured motorist coverage, you may be stuck with the bill. Adding this protection ensures you’re not financially vulnerable if the other driver can’t pay.

Mistake 4: Filing Small Claims

It may seem smart to use your insurance for every fender bender, but filing multiple small claims can actually raise your rates. Sometimes it’s more cost-effective to pay minor repairs out of pocket and save your policy for bigger losses.

Mistake 5: Not Shopping Around

Insurance rates in Florida vary widely from company to company. Sticking with the same insurer without reviewing your options could mean you’re overpaying. Working with an independent agent gives you access to multiple carriers so you can find the best deal.

Final Thoughts

Auto insurance doesn’t have to be confusing or expensive, but avoiding these mistakes is key to keeping your rates low and your protection strong. With the right guidance, you can drive with peace of mind knowing you’re covered in all the right ways.

If you are ready to save money and get better coverage on your Florida auto insurance? Call Mel’s Good Deal Insurance today at 305.209.2246 or visit https://www.melsinsuranceagency.com/ for a free, no-obligation quote.