If you were offered $200 for 30 minutes of work, would you accept the offer? Well, you can get the same results by simply viewing car insurance quotes in Florida from a diverse range of insurers.
It will only take a few minutes of your time and the savings can be $200 or more a year. That’s just as good as getting paid that much for doing a half hours’ worth of work. And the task is not difficult at all.
You just input some information on your keyboard and then wait for the quotes.
When you start getting the quotes, simply pick the best offer. It’s an easy and straight forward process. And you drastically improve your chances of getting cheap auto insurance. Ready to start?
Progressive – not only are they one of the bigger insurers in FL, they have great pricing and their website even allows you to compare rates from other companies. This can save you an enormous amount of time and effort. And it shows they are serious about getting you the best rate.
State Farm – they always seem to show up on the best insurer lists and it’s because they offer drivers a good deal to go along with good service. This should be the second company you apply to.
Geico – they offer good rates by not having any third parties selling their services. This lets them reduce expenses and pass it on to you the consumer.
Talk to any insurance pro and they will tell you that comparing rates in FL is the single best thing you can do to save the most and get the lowest rates. If you receive a quote from just one company and then decided to sign up with that firm, how would you know whether you got the best deal? You wouldn’t.
That’s why you should get as many quotes as possible.
This ensures you’ll get a better deal.
And you can get cheap car insurance no matter where you live in Florida. Whether you’re an interior designer driving through Miami, a health worker rolling through Jacksonville, a plumber in Tampa, or a college student in Tallahassee, this site can help you get the cheapest rates.
Here’s what you’ll need to be street legal in the state…
Florida Auto Insurance Requirements
If you own a car, having an auto insurance policy is essential. Not only will this coverage protect you from financial loss if you are ever in an accident, but it is also required by law. To make sure that you get the best insurance, it helps to learn a little about Florida’s legal requirements, as well as some basic facts about insurance in general.
In order to register a vehicle in the state, you must show that you have an adequate insurance policy. The sunshine state requires drivers to purchase two different types of coverage: property damage liability and personal injury protection.
About Property Damage Liability
Property damage liability insurance covers the cost of damages you or a family member causes to someone else’s property during a crash. For example, if your spouse runs a red light and hits another car while driving your vehicle, this type of insurance will cover the cost of repairs made to the other driver’s car.
About Personal Injury Protection
Personal injury protection insurance, which may also be referred to as “no fault” insurance, covers the cost of injuries sustained by you and certain passengers in your vehicle. This coverage will apply regardless of whether you caused the accident or not.
In general, personal injury protection insurance will cover:
- Your spouse
- Your child
- Other members of your household
- Passengers who don’t have their own personal injury protection insurance and do not own a car.
- Some licensed drivers who drive your car with your permission.
Personal injury protection insurance protects you while you are in your own car, riding in someone else’s car, riding a bicycle or acting as a pedestrian.
Minimum Coverage Requirements
The state of Florida requires all drivers to maintain at least $10,000 worth of property damage liability insurance and at least $10,000 worth of personal injury protection insurance. Under car insurance laws in the sunshine state, the policy you maintain must have been issued through an agent in the state. Policies purchased from agents in other states do not satisfy Florida’s minimum coverage requirements.
If you fail to provide proof of insurance on a vehicle registered in Florida, the state will suspend your car’s registration and driving privileges for up to three years or until you show proof that you have adequate insurance.
Purchasing an Auto Insurance Policy in FL
To meet the requirements of the law, you must purchase at least the minimum amount of required coverage for every registered vehicle in the sunshine state. However, you also have the option of purchasing additional coverage. Other types of coverage available include:
- Bodily injury liability (automatically included on most policies but can be rejected)
- Collision coverage
- Comprehensive insurance
- Gap insurance
- Uninsured/underinsured motorist coverage
You can add other options to your policy as well, such as towing and labor or rental car reimbursement.
To choose the policy options that are best for you, it is important to consider each of the following factors.
1. Value of the vehicle.
If you have a high-value vehicle, purchasing only the minimum required coverage isn’t the best idea. If you cause an accident, or if you are involved in an accident caused by a driver without insurance, your vehicle’s damages won’t be covered by any insurance policy. Depending on the extent of the damage, this can lead to significant financial loss.
2. Your circumstances.
Your circumstances are also an important consideration when it comes to buying auto insurance. For example, if you live in a bad neighborhood, spend a lot of time in your vehicle or have a history of causing accidents, buying extra coverage is a good idea.
The more coverage you purchase, the higher your premiums will be. That being said, if you have an accident, failing to purchase enough insurance may actually cost you more money in the long run. In addition, keep in mind that different car insurance companies may charge different premiums for the same coverage in the state, so be sure to shop around for the best quote before you make your choice.
Get additional training and stay accident free…
Companies are starting to lower their auto insurance rates for drivers who go above and beyond to protect their car. These measures include taking an additional training course. With this option, you get in the car with a driving instructor, and learn some of the more difficult driving techniques.
It often includes motorway skills and night driving (where most collisions occur). You can also install a black box, which monitors your driving behavior. It records how you drive, including whether you stick to the speed limit, and whether you brake irrationally. While you might view this as an invasion of privacy, it can really help lower your costs. Especially if the things that are recorded are favorable to the way you drive and what an insurer considers safe.
Florida car insurance companies then reward the most careful drivers with cheaper rates. Most insurance companies offer other optional coverage such as roadside assistance, rental car reimbursement, and accidental death and dismemberment coverage.
If you do not belong to an auto club, then you might want to consider these other options. Roadside assistance and rental car reimbursement coverage can provide an inexpensive means to make life easier if you become stranded or need a rental car after an accident. Similarly, accidental death and dismemberment can provide valuable protection at little cost if you do not have life insurance.
If you are new to auto insurance, choosing the right coverage can seem like a daunting task. Fortunately, knowing the basic coverage and how they work can help you make an educated purchasing decision.
These are all options worth considering if you want the lowest quotes.
As you can see, there are plenty of ways to get a cheaper deal in Florida, but comparing vehicle insurance from multiple companies is the best strategy. We suggest combining the tricks and tips here for the biggest impact. As we said earlier, it’s all about finding those small savings across the board.
You can trim your insurance payments by simply putting in a little work at the beginning of the process. That’s the part many insurance buyers skip. And that’s why they wind up paying more than they need to.