Remember, when you ‘re shopping for Florida car insurance, it’s important to list all your money-saving insurance features. Put them all on paper and don’t forget to tell your agent about your safe driving record, any anti-theft devices, additional safety features like rear-view cameras or running lights. All of these things and more could save you some extra cash on your auto insurance premiums.

One reason for this in the State of Florida? The expiration of the no-fault Personal Injury Protection law in 2007. No-fault personal injury protection may no longer be part of your options with Florida auto insurance, but UM coverage can fill the gap.

Uninsured Motorists Bodily Injury coverage pays for injuries caused by an uninsured driver or in the event of a hit-and-run accident.

If your accident results in medical costs, Uninsured Motorists Bodily Injury coverage pays up to the amount of the coverage you specify–which is why many Florida auto insurance agents recommend carrying as much as you can reasonably afford.

That said, it is very important to check your auto insurance policy and compare it to your personal health insurance. Make sure you are not duplicating coverage. Auto insurance laws and policy regulations are specifically designed to prevent “double dipping” and you should not expect to collect insurance money from two companies for the same hospital bills. Examine all policies carefully and make sure you are covered but not paying twice.

When you switch policies, don’t assume that your coverages will remain the same. Some exclusions that applied to your old policy may not apply to the new auto insurance policy, and some freedoms you had in your old Florida car insurance may not be allowed in the new contract.

Do you know what your responsibilities are under your new car insurance plan? Do you know how long you have to report a claim or amend it? All Florida car insurance policies are not created equal–you may have far less time to report or claim than your last policy offered.

Always read the fine print and ask plenty of questions of your new insurance agent. You could learn plenty if you ask up front. Don’t learn the hard way, after an accident or a denied claim.

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Should you pay the extra money? Before you can answer yes or no, a bit of research is in order. Who wants to pay for extras if they aren’t needed?

The most important thing when making a decision on your car insurance policy options is to know the limits of your existing coverage for towing and roadside assistance. Does the insurance policy offer better terms?

You may wish to cancel the coverage you have on a credit card or AAA if the car insurance policy offers you a better deal. The only way to know is to read the fine print on both the service and your insurance policy. Bottom line, don’t pay twice for the same service.