With the aggressive driver rate exponentially growing in Florida car insurance rates are following suit rising to unheard of levels. The worst part is that the rising rates are affecting everyone, and you don’t really have to do anything wrong to see these increased rates. There are however a few things you can do to significantly lower your rates back down to more affordable levels, and without too much effort on your part.

Drive less Miles
Car insurance companies have begun giving out considerable discounts to drivers who drive less miles on their insurance vehicles. The reasoning is that if you drive less you’re less likely to get in an accident – very understandable. While I wouldn’t say limit yourself to the point of making car insurance nearly worthless for you, but if you try and moderate how much you drive you’ll notice some nice monthly discounts.

Buy Yourself a Safe Car
While it’s smart to buy a car in the first place for your safety, it’ll also give you significant car insurance breaks. Safe cars get in less accident, and sustain less damage in car accidents giving insurers a huge incentive to give you rate discounts when you choose to drive a safe car. Things such as anti-theft features and additional air bags also contribute to keeping your monthly payments as low as possible.

Take on A Bigger Deductable
If you’d consider yourself a safe driver than one of the smartest things you could do is to exchange your lower deductable for a lower monthly payment. You’ll find yourself saving much more money this way since you’re very unlikely to use that deductable any time soon. Consider this a way of rewarding yourself for safe driving.