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Car Insurance Florida

Florida is the sunshine state, and the days at the beach or pool are just a few of the wonderful things to love. There are many things to explore both on the gorgeous coastline and in the fantastic cities the state. From theme parks to citrus farms and Miami Florida to Jacksonville (and even further north) there is so much to do! Living in Florida often means driving, and so insurance is a necessary thing to have. You can get the best rates online and since vehicles with four wheels are required to have insurance, you get the cheapest and most effective auto insurance you can through our site. We have a free quote waiting for you, and if you have any questions about insurance we are happy to help. 

When you register your vehicle for car insurance in Florida, you are required to have auto insurance. The minimum required by law is $10,000 Personal Injury Protection coverage (PIP) and $10,000 Property Damage Liability (PDL). Commercial vehicles have a different set of minimum rates, which we can also help with. 

Additional Insurance Requirements and Fines

It is also requested by the Florida Division of Motor Vehicles in some cases, such as the driver being involved in a crash or convicted of certain offenses, that additional car insurance coverage such as Bodily Injury Liability coverage also be obtained. Car insurance in Florida varies in cost by insurance company. It is important to shop around. We are proud to be a voice in the community that helps people find the best rates and right coverage for their insurance needs.

There are penalties for driving without insurance in Florida, which can include suspension of driving privileges for up to three years or until the proper proof of Florida car insurance is provided. Fines, starting at a minimum of $150, can also be issued. Save money by staying covered.

Additional Insurance Coverage Options

Outside of PIP, PDL, and PDL, Florida car insurance companies also offer a few other types of coverage. These include collision, comprehensive, as well as underinsured and uninsured motorist coverage. There are many variables that affect auto insurance rates when looking for coverage in Florida. In order to get the best auto insurance premiums, look at a few different companies and keep these variables in mind. 

Your rates can be affected by:

  • Your driving record
  • Your age
  • Where you live
  • The kind of car you drive
  • The amount of coverage you want
  • Other factors

People with better driving records get lower insurance premiums on average. Auto insurance companies want to encourage safe driving. Living in smaller towns also tends to benefit drivers when it comes to their car insurance premiums.

What to Know about Personal Injury Protection

Personal Injury Protection (PIP) insurance is required by law because it helps cover your injury-related expenses if you are involved in a traffic accident. It covers these expenses regardless of who was at fault in the accident. In addition to covering some of your medical expenses, it also helps by covering lost wages, services that have been lost, and funeral expenses. 

What to Know about Bodily Injury Liability Coverage

Required for certain Florida drivers, Bodily Injury Liability Insurance (BIL) helps pay for serious or permanent injury (or death) to other people in the event you are at fault in an accident. Drivers with at least one previous accident of violation may be asked by the Florida DMV to have this insurance if the violation or accident meets the criteria.

Discounts for Auto Insurance Florida

There are discounts that are available in Florida. What they are depends on each individual auto insurance company. They include discounts from your driving record, discounts for having multiple cars or anti-theft devices, and discounts when you pair auto insurance with other kinds of insurance. Getting your auto insurance quotes online is the best way to take advantage of these discounts. If you have questions any of these, we are happy to answer them. 

Florida is a No-Fault State

This means that each driver requires drivers to have their own insurance. Regardless of who is determined at fault, your own insurance takes care of your bill. This is designed to decrease lawsuits and make sure that everyone is encouraged (even more than other states) to have their insurance in order. It also helps makes sure that both you and the other driver get immediate medical treatment if there is an accident.

How Much Car Insurance Do You Need

Remember, comprehensive and collision coverage are often a great idea. These cover your car for things like theft and fire (and other types of damage) and will cover repairs to your property (not just the other people involved) when there is an accident. We make sure that you are covered for all of your auto insurance need.

Insurance is something that every driver needs and there is a lot of information out there about it, but with the right tools and the right help you can easily find the best rates available. We are here to keep the process simple. You can get insurance for both injury and property for the best cost. For car insurance in Florida, you can rely on us to make sure you are at or over state minimums and protect you and your family, our free quote can help you save money. Contact us today and take advantage of our free quote service.