Florida car insurance is essential for all people that frequently drive in this southern state. On average, there are over 230,000 car accidents and over 88,000 thefts every year in Florida. If you want to keep yourself protected as a driver, you’re going to need a reliable auto insurer. So who can you turn to for top notch coverage if you don’t yet have coverage or have thought about switching providers?
Well, the best place to search for a new insurance provider is the internet. What you can do if you’re impatient and need to find the best-of-the-best insurance companies today is to type your zip code in the search bar at the top of the page and click start. Results should pop up with only the best deals on insurance for your particular area in the state of Fla. It is important to have a basic understanding of the insurance laws and requirements before you buy a policy though.
Minimum Florida Car Insurance Requirements (10/20/10)
1. $10000 bodily injury (per person)
2. $20000 total bodily injuries (per accident)
3. $10000 property damage (per accident)
You are required to have at minimum of the coverage aspects above in your policy as well as Personal Injury Protection (PIP) due to the no fault laws. When you go to get a policy through a reliable provider, they will already know your requirements and will adapt a policy to fit your needs. However, if you go to a less organized insurer, you may need to double check to make sure that they are giving you the correct amount of coverage on your policy. In general, the majority of people end up getting extra insurance because the minimum requirements are really not enough for serious accidents.
About the Florida No Fault Laws
The state of Florida is one of select states in the U.S. that has a “no fault car insurance” law. If you don’t know much about insurance, the no fault insurance law basically states that when drivers get into an accident, each driver is responsible for collecting compensation for damages through their own insurance company; hence the term “no fault” because primary accountability for an accident is not assigned. Many people are extremely unhappy with the system that is currently set-up, including some major insurance companies who don’t think that it’s fair to responsible drivers.
Due to the fact that you’re dealing with a no fault insurance system and may be unhappy with it, it’s important to express your feelings to government officials in your state if you disagree with it; write to them. Obviously you’ll want to make sure that you have enough Personal Injury Protection (PIP) as well as liability insurance in case you get into an accident. It would be smart to purchase more coverage than what is minimally required because accidents are often more expensive than people anticipate.
Trying to Get Cheaper Florida Auto Insurance Rates
Attempting to get cheaper auto insurance rates in the state of Florida is completely understandable. Especially since the no fault law indirectly affects cost of insurance for the worse; it raises the cost for each person about $500 per year (as estimated by the well known group Floridians for Lower Insurance Costs (FLIC) – who have been doing some major lobbying for legal changes). In order to get lower cost FL car insurance rates though, there are some factors that you’ll want to keep in mind. Insurance companies always look at things such as:
- Your credit score
- Vehicle make, year, model, crash safety rating
- Specific location in Florida
- How old you are
- Past driving experience
If you have a high credit score, a safe low cost vehicle, live in a low crime/low traffic area, are a middle aged driver with nothing major on your record, you will be able to get a very good rate and will likely be eligible for tons of savings. If you are struggling to get a good rate on your insurance, it may be because you need to make some improvements in one area of your life. Do what you can to improve your credit score, increase the safety of your car, etc.
Selecting the Right Insurer for your Vehicle
When you go to get your insurance, you need to know what to look for in a company. In general, you will want to find a company that offers:
- Competitive priced policies
- Enough coverage to make you feel protected
- 24/7 customer service
- Fast processing of claims
- Credentials and history in the insurance industry
It may seem like a lot of work to look for all of these characteristics in an auto insurance provider, but we can help. Our zip code finder at the top of the page provides only the best rates on insurance from the most established companies in the business. You won’t have to go out and do a bunch of research because all of the top rated companies are there. So for those of you that don’t want to do all of the research yourself, you don’t have to.
Find Florida Car Insurance Discounts and Save Money
Floridians pay an average of around $80 per month on their auto insurance policies. Naturally when you’re paying this much on a monthly basis for insurance, you’ll want to find out ways in which you can save money. Applying for discounts is something that you must do if you want to make sure that you get the best overall price on your coverage. So what are some types of discounts that you can expect with most FL auto insurance companies?
- Safe driving discounts – For individuals that aren’t involved in accidents.
- Credit rating discounts – For people that have high credit scores.
- Good grades discounts – For students that excel in academics.
- Family discounts – For families that all get insurance from the same company.
Most companies have hundreds of things that fit under their criteria for saving money. Since most people don’t really have any idea of what all the discounts are, all that you need to do is give your insurance agent a call and ask. Most people end up saving quite a bit of money from their bills and are able to get the insurance for a significantly lower rate than they would have without any discount opportunities.
Free Florida Car Insurance Quotes Comparison Online
There are hundreds of places that offer car insurance in Florida, but not all of those companies are going to provide quality care and protection. In order to get yourself off to a good start towards finding reliable policy in FL, it is recommended to get free quotes online and compare them. You can use the quote form at the top of the page and click Start after entering your zip code to see the best available results in your area and save up to 50%!