Auto Insurance Quotes for Florida

Auto Insurance Quotes for Florida

Florida, also known as the “Sunshine State”, has many interesting car insurance rules. Florida drivers want affordable car insurance that’s both good and affordable. There are so many options that choosing the right one can prove difficult. Get some information on the motoring industry before you purchase car insurance.


Florida’s current population is approximately 20 million. Each year adds about 10%. This has caused road congestion, an increase in accidents and auto thefts. Auto insurance is the only option and rates have risen like never before. You don’t have to worry about getting coverage for your car at a low rate if you do the right things and look in the right places.

Auto Insurance Quote – Florida: State Requirements

Florida’s no-fault law makes it mandatory that motorists have insurance for their cars. No-fault insurance is intended to reduce insurance costs and eliminate much of the complex legal process. The law requires motorists to insure themselves for their own protection. However, they can’t sue another driver in an accident. A motorist can claim from his/her insurance company for any damages, regardless of who was at fault.

A motorist must have minimum $10,000 coverage for Personal Injury Protection (PIP), and $10,000 for Property Damage Coverage (PD) according to state law.

This coverage is legal but it is not sufficient if an accident is serious. When finalizing Florida car insurance, I recommend PIP/PD at least $100k/$100k. Any injuries or damages that exceed your coverage will be covered out of your own pocket.

Auto Insurance Quote – Florida: Additional Important Coverage

PIP and PD do not apply to medical expenses or property damage that you may cause. These additional perils should be protected:

  • Collision – Insures your vehicle for any collision damage.
  • Comprehensive – Protects your vehicle against theft and damages from fire, Mother Nature, vandalism, and other hazards.
  • Bodily Injury – Insurance for injuries to other people for whom you are responsible.
  • Gap insurance – Covers excess loan balance on auto and amount that can be recovered through collision policy.

Auto Insurance Quote Florida: Browse Around

You can save a lot of money if you take the right steps and make wise decisions when shopping for Florida insurance. Use free websites such as Quote Wizard and 2Insure4Less to compare prices and get quotes. Fill out a form once and you will receive three to four quotes. After comparing the quotes, you choose the best.

Auto Insurance Quote Florida: Savings

These are some things to keep in mind as you make your decision about auto insurance.

  1. Insurance companies offer huge discounts to drivers with clean driving records. Make sure you check the quote you’re reviewing to see if you qualify.
  2. A higher deductible can reduce your collision and comprehensive insurance costs. The most popular amounts are $250 and $500, but $1,000 is increasingly becoming more popular. How much are you willing to fork out for each accident?
  3. Consider removing collision and comprehensive coverage if you own an older car.
  4. You should consider taking a mature driver course if you are over 60. Florida regulations require that seniors who take this course are given lower rates for three years.
  5. You should consider adding safety features to your vehicle. Many companies offer lower rates on self-adjusting seatbelts, antilock brakes, and air bags, as well as anti-theft alarms.

Joe Goodman is the creator of Car Insurance Performance [], an info-rich website that discusses how to find auto insurance that is right for you & your car…at the fairest possible price.

South Florida is prone to hurricane-related problems, making home insurance policies a bit more difficult. In order to compensate for the risk factor in the area, your agent may offer you higher premiums for Florida insurance.

You can easily search the Internet for South Florida home insurance agencies. They will ask you some basic questions and provide free quotes. This is a great place to begin. You can request quotes directly from the largest insurance companies right on your website. It takes just minutes to fill out the quote request form.

You can save time by narrowing your search to the top agencies. Consider their dedication to their customers, their mission statement and where they are located. If you ever need to file a claim, the agency will be closer to you. The agency will respond to you faster if they are closer to you.

It’s a good idea for you to create a list of questions to ask your agent. Ask about hurricane coverage, changes in premiums and other concerns that might concern you for your property.

Once you have an idea of the couple you believe will make a good match, call the company. This is a sign that the agent will be helpful and friendly. To ensure that you don’t end up paying too much, or to meet your changing needs, make sure you review your policy at least every two years.

Although it is easier than ever to obtain insurance quotes Florida, there are some things you should consider that could help you get a better rate. If you are aware of what to look out for when looking for information, more than one thing can work in your favor. Let’s look at some examples.

You can use time to your advantage. Each year you turn older, you could be in a lower rate bracket. You can also get rid of some driving convictions. These matters could be investigated to ensure you aren’t being charged too much.

Some states may require liability coverage. It all depends on where you live. If it is, you’ll have to adhere to the minimum. You have the option of a range of limits for liability policies. If you have other financial assets, you may want to have a higher limit. You can also be protected against loss by having liability.

Comprehensive and collision coverage have deductibles and maximums that you can adjust to lower your premiums. Comprehensive covers loss by fire, theft, and collision with large animals. Collision covers only damage to your vehicle. If the accident was not caused by a family member, it also covers natural disasters or malicious mischief.

Property damage and bodily injury are two very different types of coverage. However, you can adjust your deductibles and coverage limits by increasing or decreasing the amount. These policies can protect you from losing all your assets if you are sued. These policies cover medical claims, property damage, loss of life, as well as legal costs. Before making major changes to these policies, you should assess your financial situation.

These accounts may include satellite vehicle monitoring and mobile phone service. They might also include roadside assistance. This type of membership is already included in your auto coverage. Your premium could be reduced by not including RA. If you’re looking for insurance quotes Florida, make sure to carefully evaluate your net worth and how much your premium is. Some people might choose to have more coverage than others.

Amazing tips and advice about how to find the best Florida insurance quotes are available in our guide to understanding and INS coverage.

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