I know some people will disagree, but one way to save money on auto insurance is to drop the uninsured motorist coverage. About 20 states require this coverage, but, in Florida, it is optional. When I examined the coverage, I found that it almost completely overlaps the medical and liability insurance that myself and any potential passengers in my car already have. I am particularly concerned that, if you have the coverage, you must use your auto insurance to cover a medical bill before you can use your Medicare and/or private health insurance. I have not paid for uninsured motorist insurance since moving to Florida.
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