Do You Need Car Insurance in Florida?

FL Car Insurance

According to FDOT (Florida Department Of Transportation), auto insurance coverage is compulsory. Make sure you have the insurance ID card with you whenever you drive on the territory of the state, as you can be fined if you are pulled over and you are not able to prove coverage.

We all must have auto insurance, not only because there’s a law that asks for it, but also because it is really necessary in case of an accident, whether it happens from our fault or not. It is quite difficult to choose the best car insurance in Florida, due to the fact that there are so many companies that offer insurance services.

If you are searching for insurance over the internet, you have to consider the fact that there are insurance companies that do not offer their services to inhabitants from all the areas of Florida, so read carefully, for saving your time.

If you have just moved to Florida, you should know that auto insurance coverage requirement may be different from the ones in the state you moved from, because every state of the US is free to establish its own requirements.

What do you have to consider when choosing insurance coverage?

Here you have some information regarding coverage requirements in Florida and most common choices that other people have made, in order to make it easier for you to figure out what to look for:
  • Bodily Injury Liability – Usually varies between $100.000 - $300.000 (not specified by law);
  • Property Damage Liability – at least $10.000 (required by law);
  • Uninsured motorist Bodily Injury - $10.000 per person, $20.000 per accident (required by law);
  • Medical Payments – $5.000 (very common, not specified by law);
  • Collision - $500 deductible (very common, not specified by law)
  • Comprehensive - $250 deductible (very common, not specified by law)
  • Personal Protection Insurance - $10.000 medical & loss of service; $5.000 funeral services (specified by law);
  • Personal Injury Protection – $10.000 (required by law).
How do you choose an insurance company?

First of all, you have to make sure that the company you choose is serious. Do not let yourself tricked by very small prices, because you may end up paying for nothing. It is advisable to choose a well-known insurance company. This way, you can be sure about its seriousness.

How old are you?

Your age may influence the price of the insurance, so read more about coverage requirements if you are either a teenager or a senior.

There are some very strict laws concerning teen driving in Florida. One can drive from the age of fifteen, but driving during the night is forbidden and youngest drivers must be accompanied by a licensed driver over 21 during the first 90 days since they have gotten the learner’s permit. These restrictions are lifted when the driver turns 18.

All these being said, all you have to do is look for a serious insurance company. Try to get discounts if you can, pay for the new policy before the old one expires and do not break the law! Auto owner Florida can find more info here

Cheap Auto Insurance in Florida - Not as Difficult to Get as You May Think

Low COst FLorida Car Insurance

Considering how challenging it is to find good services at low prices, many people just give up and choose poor quality solutions, because they do not want to spend a large amount of money for their car insurance. And this is not only about Florida, it is a fact about nowadays world.

The truth is that choosing suspiciously cheap insurance packages, offered by no-name companies, may be the worst decision you can make, because you may discover, after an accident, that there is nobody to pay for the damages and you have actually spent your insurance money for nothing.

Of course, it does not mean that you should choose very expensive services; you just have to be careful and patient, because high quality cheap auto insurance in Florida is not impossible to find.

First of all, any driver should know that Personal Injury Protection and Property Damage Liability are compulsory for any car that is registered and licensed in Florida.

PIP (Personal Injury Protection) is about your personal coverage in case of auto accidents, no matter if they happen from your fault or not. It also covers passengers in your car, relatives who you live with and, in some cases, pedestrians. It will cover reasonable medical treatments, compensations for work loss and funerals, if necessary.

PDL (Property Damage Liability) is coverage for property (someone else’s property), that was damaged by your vehicle. The ”damaged property” refers to other vehicles, fences, poles etc. The insurance company will decide which is the maximum amount of money to be paid in such cases, but it depends, obviously, on how much you decide to pay for coverage.

If you find a company that makes a good offer concerning these two types of coverage, then you can consider yourself lucky. The rest of the coverage types only depend on your personal desires.

There are insurance companies in Florida that offer:

  • Flexible coverage plans, to make it possible for you to choose a product that really fits your needs and expectations.
  • Really advantageous offers and discount programs, depending on your driving history (it is much easier to get cheap insurance packages if you have had very few / you never had any auto incidents).
  • Efficient ways of communication: you can send e-mails to their agents, you can call them or you may even text and they will call you back. The idea is that you will be answered any question in no time.
Auto insurance is very important, no matter what kind of vehicle you drive. When looking for insurance, you should consult an expert in this field. It would be great if he was someone who knows you well, in order to be able to get the best recommendations.

Insurance is a really big deal. Even if it may seem a useless expense at the moment, just think about how many accidents happen every day. It is horrible to be involved in auto accidents, but if it happens, you should at least be covered, shouldn’t you?