If you really want to find the lowest-cost car insurance in Florida then you need to start by creating a policy that's specifically designed to save you money. Here are several suggestions for ways you can do just that.

Start by always driving legally and safely. In other words, keep your driving record spotless. Speeding tickets or other moving violations will only increase the amount of your monthly premium. And a conviction for a DUI or a DWI will cause your rates to skyrocket. A second DWI or DUI conviction and you'll be lucky to find car insurance at any price.

Is there a garage where you can keep your car at night? If so you can earn another deduction on your premium.

Do you have any other insurance policies with the same insurance company? If so you should be able to qualify for a Multi-Policy Discount on your car insurance.

Another thing you need to do at least twice each year is to simply ask your insurance agent point-blank if there are any unadvertised deductions which you could conceivably qualify for. You would be surprised at some of the creative and odd-ball deductions that the insurance companies come up with from time to time that they don't bother to tell anyone about.

Are you under 25? If so you are automatically placed in a high-risk category and your premiums reflect that. If you stay in school and keep your grade point average at 3.0 or higher then you will qualify for a Good Student Discount.

Are you 55 or older? You, too, may be in a higher-risk category than you used to be. You may be able to earn as much as a 10% discount on your premiums if you take ? and pass ? a special driver's refresher course that some insurance companies offer. Ask your agent if your company offers such a discount.

Before you buy a new car ask your agent exactly how much it's going to cost you to insure it. Not all new cars cost the same amount to insure. Make sure you can afford the monthly insurance payment on top of your other car payment when deciding on a new vehicle.

On the other hand, if you drive a car that is so old that it has little or no Kelly Blue Book value then you are just wasting your money if you continue paying for collision and comprehensive insurance each month, since your insurance company will never pay off on them no matter how diligently you pay your premiums.

Do you drive fewer than 500 miles each month on average? If so, ask your agent if you qualify for a Low-Mileage Discount on your premium.

When was the last time you assessed your deductible? The higher your deductible the lower your premium payment each month. But be careful. Consider carefully how much you can honestly afford to pay out of your own pocket if you were to make a claim or you could put yourself in a real bind.

O.K. Now put together your low-cost policy and then let's get online and find at least three of the many sites that allow you to make quick and easy comparisons of prices for insurance from a variety of different insurance companies.

Unfortunately you can't just make comparisons at one site because no site compares all of the different insurance companies operating in Florida. Take your time and make your comparisons on at least 3 different websites. If you'll take the time to make multiple comparisons then you will have genuinely compared low cost car insurance in Florida and know that you have grabbed the very best deal you possibly could.