Florida Car Insurance
If you’re in the market for affordable Florida car insurance, you first have to know the basics – what kind of coverage is there, what is required by law, what are your sources for insurance quotes – before you can finally make your decision. It all boils down to a combination of the minimum coverage requirement, your ability to make payments and your driving history.
State minimum requirements
Florida is a “no-fault” state. This means that in an accident, it doesn’t matter whose fault it was. The important thing is that the injured persons have access to immediate medical attention which their respective insurance companies are required to pay for. This is called the Personal Injury Protection (PIP). It covers expenses for medical treatment and/or funeral arrangements as the case warrants it. This is a must-have insurance coverage in the State of Florida, with a minimum limit of $10,000.
In addition, you are also required to include Property Damage Liability coverage in your insurance policy, with a minimum limit of $10,000. This should cover any expenses intended for repair and replacement of damaged property resulting from the accident.
Though not required by law, it is prudent to have the minimum limits for a Bodily Injury Liability (BIL) coverage. This ranges from $10,000 for a single injured person in an accident up to $20,000 if other passengers were also injured.
Other recommended coverage
There are additional coverage that may be recommended on a case to case basis, which can affect your search for the affordable Florida car insurance. For instance, if you’re still paying for your car, the dealer may require you to purchase comprehensive and collision insurance coverage. The same is true if you’re driving a car from a rental agency.
You may also consider getting Uninsured/Underinsured Motorist Injury coverage to protect you should you get into an accident where the other party does not have any insurance to cover your medical expenses.
Shopping for affordable Florida car insurance
Knowing what you need and what you should get, you are now ready to look for sources of cheap Florida car insurance. This site is a good place to start. You can get instant rate quotes from the comfort of your own home without having to physically travel to visit each and every insurance office that you can think of. It’s possible to compare many insurance companies at once and they sometimes offer great packages, discounts and freebies. You may also try and check out different National Providers since they are already recognized and may offer good customer service. Since you’re in Florida, you may want to look into Florida-based insurance companies. Competition may be tight but this is a good source of varying rates that can eventually land you that affordable Florida car insurance. With all these sources, you just have to make sure that you’re dealing with a reputable company by checking with the right government agency and by reading up-to-date consumer reports.