Winter Insurance Tips for Floridians

While it certainly doesn’t get as cold in Florida as it does in other parts of the country during the winter months, there are still some things that Floridians can do to save money on their insurance costs. In fact, these tips are great for people who live all across the country and choose to winter in Florida due to the warm, moist climate.

Reduce Insurance on Non-Driven Cars

One thing that Floridians (or tourists and part-timers) can do to save money on their insurance during the course of the winter is to reduce coverage on the vehicles that are not being driven. A two-car couple who comes to Florida for three months out of the year may only bring one car with them; they could save hundreds of dollars by simply reducing the coverage on the non-driven car. This should be considered carefully, though. If a tree limb or hailstorm damages the car, nothing short of full coverage automobile insurance will cover those damages in most cases.

Roadside Assistance

Anyone who does not already have roadside assistance in the winter months should consider the benefits. For less than $20 per month, individuals receive assistance if they get a flat tire, lock themselves out of their cars, run out of gas or even slide off the road into a ditch. While snow and ice aren’t as much of a concern in Florida as they are in other states, it does occur from time to time. The winter months in the state can get cold, so dead batteries and flat tires are commonplace. Having roadside assistance may help Floridians reduce their insurance costs because their vehicles will not be left alongside the road in the event of the unexpected.

Increase Coverage on Frequently Used Cars

If there is one vehicle that will be used more than the others during the winter months, it is worth taking the time to consider increasing comprehensive and collision coverage. Even though wintry precipitation isn’t much of a threat in Florida, the winter months are often quite rainy and wet. This alone often leads to an increase in the number of accidents that are reported, and no one wants to be in an accident only to find that they have to pay out of pocket for any damages or injuries that may have occurred.

Boat and RV Insurance

If the boat and RV will be garaged during the winter months, then there is really no purpose of carrying the maximum coverage on these. In fact, if they are in the homeowner’s garage, it may be possible that these are covered under the homeowner’s insurance policy in the event of fire, natural disaster or theft and paying extra for insurance may not be necessary as long as they are not being used. People who own boats and RVs can check with their agents to find out what is covered under each policy and what changes can be safely made during the winter months.

Saving money on insurance in the winter is quite possible, but it is always recommended that consumers speak with their agents prior to making such changes so that they are informed of all of the possible risks. Saving money is important, but so is protecting valuable assets.