Are there 'real secrets' to getting cheaper auto insurance? I mean, after all, there are many resources on the web like this that claim that you get cheaper auto insurance by using a few tricks. Most of the time, however, these 'tricks' are things that we already know about.


So, all right, there aren't too many real secrets left when it comes to getting a guaranteed low rate on auto insurance. Though, there are ways that you can find cheaper auto insurance. How?


It involves using a little common sense and a smart mind. If you can save on car insurance, you can save on any insurance policy, after all. So, let us help you out. Here are some of the 'real secrets' of auto insurance that can help you save money—and fast.


The real secrets of affordable auto insurance in Florida


Are you getting ready to get a better or new auto insurance policy? Read these secrets to get an inside look at your policy options before you're ready to sign your forms.


Getting auto insurance quotes. You're not going to find a standard auto insurance rate that's also concrete. As prices between insurance companies are always changing, you pretty much always have to compare what you can get from any given auto insurance plan. Sometimes, you might end up saving thousands between insurance providers.


Keep your cars on the same policy. Keeping everything together actually save money--in this case. Many auto insurance providers offer multi-vehicle discounts for customers who take the time to insure more than one vehicle on the same policy. With multi-line discounts, you can save more money if you insure your vehicles at the same provider as your homeowners insurance policy.


Increase that deductible. The higher your deductibles become, the lower your insurance premium will become. Raising your deducible can help cover repair jobs or other occurrences that need to be paid as soon as possible.


Be a safe driver. Did you know that your driving record can affect your auto insurance rate? It's true. Getting tickets and accidents on your driving record can affect your insurance policy and its corresponding rates for up to six years combined. Naturally, that's a good enough reason to stay safe on the road.


Drive a car with a 'low risk' record. Insurance rates for different cars are also affected by the vehicle's previous claims history. So, cars that are more likely to become stolen naturally command higher insurance rates. If you're planning on getting a new car, it's always helpful to check around for information pertaining to its previous claims history—before buying auto insurance policy.

For many people, there’s nothing like owning a boat. The joy of being on the water is a lifestyle decision. The decision to own a boat also comes with the decision of whether or not to purchase boat insurance from a company like Unlike auto insurance, boat insurance is not a mandatory requirement for most boat owners. This means, if you’ve got a small fishing boat and don’t travel very far from the dock or shore, then the choice of whether or not to have boat insurance really comes down to liability. Do you want to have insurance in case someone get injured on your boat? It’s a tough call and considering that many boats like these cost $1,000 or less, you may find it better to be uninsured.

However, if you’re buying a more expensive boat, then boat insurance should be considered as important as auto insurance. Here are three things to consider when shopping for boat insurance.

Two Types of Policies

The two most common policies are an Agreed Value Policy and an Actual Cash Value (ACV) Policy. The purpose of these policies is to determine what you will be paid should your boat be declared a total loss. With an Agreed Value Policy, you and the insurer agree on a valuation for your boat. If you have to file a total loss claim, that is the amount you will be paid, period. With an ACV policy, the amount you would get paid will depend on the market value of your boat at the time of the accident. This takes into account depreciation, so you will get less than what you paid for your boat. The same is true for partial losses.

What Discounts Will You Receive

In many cases, a boater will start with a discount because they have not filed a claim against the policy. However, this discount may disappear once you make a claim. But if, for example, you have multiple items stolen from your boat, does this qualify as one claim or four? These are the types of things you should discuss carefully. Taking courses in boat safety can also help you lower the cost of your policy. And finally, you can lower the cost of your policy by increasing the amount of your deductible. The more you can realistically afford to pay out of pocket, the more you can save. And one more thing to consider. Do not overvalue the price of your boat. Insure it for the price it would cost to replace and not a penny more.

Read the Fine Print

Here are just a few things, you’ll want to make sure you are clear about:

• If you’re using your boat for commercial work, make sure your policy covers that. Many boat insurance policies cover pleasure boating only.

• Understand what items are depreciated and what items are covered for loss. Can any of these items be covered by your homeowner’s insurance policy?

• Be sure your insurance is not limited to the state or even specific area you live in. If you take your boat with you on a winter vacation, make sure your coverage travels with you.

• Be sure your policy covers you for the entire time you will be using your boat. If you plan on using your boat year-round, make sure it’s covered for 12 months.

While having a home in Florida can often feel like paradise, that doesn't mean you're completely protected from the worst case scenario. Plenty of unforeseen issues can arise that place you and your home in jeopardy. That’s why it’s essential that you have a company like Southern Fidelity Insurance behind you. Keep reading to find out how this insurance agency can help you sleep better at night.

A Homeowners Insurance Policy

There are so many different types of insurance these days, it’s getting a bit ridiculous. While we are certainly becoming an overly litigious society, it often feels like we’re going overboard with insurance too. The result is that many people simply don’t put an emphasis on it like they used to.

But homeowners insurance does not fall under that umbrella. In fact, homeowners insurance is essential to anyone who owns their home. All kinds of things can go wrong and a homeowners policy is how you make sure they get fixed right again.


Florida is so well known for hurricanes, one of its most popular colleges is named after them. But hurricanes are no joke. They can cause serious damage in a manner of minutes and leave your home completely devastated.

But that’s not the only threat you face in the sky. Hurricanes generally only affect certain areas of Florida. But tropical storms can also move inland, spreading all types of damage. That’s why a homeowner’s policy with Southern Fidelity Insurance is so important. While Florida is known for its sun, the storms it can witness demand coverage.


Often as a result of these storms, floods are also a common hazard in Florida. Southern Fidelity Insurance can help you out in this terrible situation as well. It’s easy to forget how damaging water can be, but when there’s enough of it, all kinds of problems can occur. Floods can strip your home bare, weaken the ground around it or, in the most extreme cases, make it unlivable. Get a homeowners policy from Southern Fidelity Insurance and you don’t have to worry about this worst case scenario ruining your life.


If you don’t own a home yet, you may be thinking about putting off a homeowner’s policy. After all, you’re not a homeowner yet. Furthermore, you may think of it as a way to reduce costs in the present, during a time when so many of them stack on top of each other.

But a homeowner’s policy is going to be necessary if you want a mortgage. No bank is going to invest hundreds of thousands of dollars into your home knowing it’s possible a tropical storm damages it so badly they’ll never see their return.

Plus, while you may save some money in the short term by not having a policy, you sure are taking on a big risk.

Southern Fidelity Insurance is a trusted agency in Florida and for good reason. They can offer you the homeowner’s policy you want at the price you’ll like.