Car Insurance Florida
Car Insurance Florida
Nothing makes you question your life choices quite like grocery shopping while hungry. But if you’re wondering about car insurance claims instead of snacks, you’re in the right place!
Whether you’re traveling through Miami’s congested streets or the breathtaking roadways of the Florida Keys, we’ve got you. Our diverse insurance options ensure compliance with Florida’s vehicle insurance regulations. Furthermore, we provide low pricing and discounts to help you save money.
Florida Car Insurance Requirements
People who drive in Florida are required by law to have certain kinds of insurance. These things are must-haves:
- Personal Injury protection (PIP): Pays for your medical bills and the bills of your passengers, regardless of who was to blame. Florida needs at least $10,000 in PIP coverage.
- Property Damage Liability (PDL): This form of insurance covers damage you do to someone else’s property if you cause an accident. The state needs a PDL worth at least $10,000.
You can also add extra coverage to make your security even better. There are several choices available:
- People who hurt someone else because of their carelessness are responsible for their medical bills, lost wages, and court fees.
- If you damage your car in an accident with another car or an object, like a tree or fence, collision coverage will pay to fix or replace it.
- Full protection, Protects against losses that don’t happen because of an accident, like theft, vandalism, bad weather, and animal collisions.
- If you get into an accident with a driver who has little or no insurance, uninsured or underinsured motorist coverage will protect your finances. You can use it to pay for your medical bills and any damage to your car.
- These extra coverages can help keep your finances stable and give you peace of mind while you’re on the road.
What's The Average Cost Of Car Insurance In Florida?
The average cost of car insurance in Florida was $3,682, which was 68% more than the national average. But your final car insurance quote will depend on many things, like your age, where you live, and your driving record.
Some drivers choose basic coverage, while others want protection that covers more things. You might be able to save money on Liberty Mutual’s car insurance plans in Florida by only buying the coverage you need.
Get Car Insurance Savings & Discounts In Florida
There are many ways for Florida drivers to save money with our wide range of deals. These tips will help you save money:
Multi-Car Discount: If you cover more than one car with the same insurance, you can save up to 16%.
Savings Without Accidents: If you don’t have any accidents or violations for three years, you can save up to 8%.
Discounted In Full: If you pay your whole payment at once, you’ll get 15% off.
Savings With autopay: You can save an extra 4% on your rates if you set up automatic payments.
E-Signature Discount: If you sign your paper online, you’ll save 3%.
New Business 5 Years Without An Accident: You can save up to 14% if you are a new customer who hasn’t had any problems in the past five years.
With these savings, it’s easier to lower your insurance rates without losing your coverage while you drive!
Types Of Car Insurance Coverage In Florida
Just like Florida has a lot of sunshine, you should know a lot about car insurance. Knowing what your choices are will keep you safe while driving.
Insurance To Cover Risk
If you are at fault for an accident, liability coverage will protect your finances. Your insurance won’t pay for your injuries or losses, but it will help pay for the other person’s medical bills and car fixes. Not only is it a good idea, but Florida law also says you have to keep a certain amount of insurance coverage.
Coverage For Car Accidents
Accident coverage is helpful if your car hits another car, a pole, or even a tree. This coverage helps pay for the repair or replacement of your car, regardless of who is to blame. It’s not required by Florida law, but most lenders will have it if you want to borrow money to buy a car.
A Lot Of Information
Think of comprehensive coverage as insurance against things that might not go as planned. You are covered for theft, vandalism, fire, hurricanes, and even contact with animals (yes, Florida alligators are covered). It’s not required by law, but some car lenders require it.
There Is Protection From Harm To Oneself (PIP).
Florida is a “no-fault” state, which means that all drivers must get Personal Injury Protection (PIP). No matter who was at fault for the accident, this coverage pays for medical bills, lost wages, and other costs connected to it. If you meet the state’s minimum PIP standard, you will receive coverage in the event of an injury.
Driver Protection For The Uninsured
Uninsured Motorist Coverage protects you if an uninsured driver hits you. This is important because not all drivers obey the rules. It helps you pay your medical costs and bills related to the accident. This coverage isn’t required in Florida, but it’s a good idea because so many drivers are uninsured.
If you know about these important coverages, you can make a policy that fits your wants, protects your finances, and obeys the law. Getting the right insurance is important to protect yourself, your guests, and other drivers on the road. It’s also the law.
We accelerate the process at Oyer, Macoviak & Associates and help you make an informed choice about your policy. You can drive with trust anywhere in Florida as long as you have the right amount of coverage.
Conclusion
FAQ
Bankrate says that in Florida, the average monthly premium for full coverage car insurance is $300, and the average monthly premium for minimum coverage auto insurance is $93.
In Florida, you can get car insurance even if you don’t have a license. It’s still possible to get coverage if you have a car but depend on a sober driver. In these situations, you should talk to someone from your insurance company about getting help with the process.
No, you don’t need accidents and comprehensive coverage in Florida.
Start by getting quotes from several insurance companies to find the cheapest prices. This will help you lower the cost of your Florida car insurance. You can also save money by combining your home and car insurance into one plan. Another way to get a cheaper premium is to raise your deductible. If you need to make a claim, you’ll have to pay more out of your own pocket.
In Florida, you do have 30 days after your first payment to pay your car insurance rate. You can still make a payment before your service ends if you miss one within this time frame.
