Auto Insurance Florida

If you live in Florida you have to purchase auto insurance policy like other states as soon as you buy a vehicle to protect you and your cars. It’s mandatory for every Florida citizen. But the insurance is high. To get the best auto insurance in Florida you should know every aspect about car insurance policy and companies.

In this article I will share about Florida auto insurance, car insurance laws, auto insurance companies and minimum requirements, and cheap auto insurance quotes. After reading this post you will get the complete ideas how you can buy the best auto insurance deal.

Florida Auto Insurance Minimum Requirement

Florida auto insurance minimum requirement is the least level of insurance coverage you must buy. But buying minimum coverage is not adequate because the car accident can cost far more than minimum coverage policy. The Florida state auto insurance minimum requirement by state laws is 20/40/10 that means $20,000 for injury liability for one person, $40,000 for injury liability for one accident and $10,000 for property damage protection. The insurance information institute recommends that the car owner should carry minimum $100,000 policy coverage per person and $300,000 policy coverage per accident. You may not drive your vehicle frequently but you must carry minimum liability coverage to live in Florida.

Florida No-Fault Auto Insurance

No-fault law auto insurance in Florida is basically included the coverage where no bodily injures occur and to meet the Florida state’s requirement car owner must carry $10,000 per person coverage and $10,000 property damage protection. No-fault law requires having basic liability coverage, so to get better protection you should check other coverage options.

Florida Auto Insurance Quotes Comparison

To get the best car insurance rates in Florida it is important to shop around. Car owners often end up paying higher premium for not collecting and comparing auto insurance quotes from different companies. There are many online resources such as many website which offer free auto insurance quotes within few minutes, request quotes from at least 3-5 companies and compare them and choose the cheapest one within your budget.

Auto Insurance Companies Florida

There are many auto insurance companies those have licensed and among them all may not suitable for you. If you haven’t any current insurance policy, you should contact with your nearest auto insurance agencies and ask what type of insurance coverage will work for you best. You can also search the best auto insurance companies on internet. While choosing the best and cheap auto insurance companies you have to consider some factors. The best and cheap auto insurance companies in Florida are Livertymutual auto insurance, GEICO auto insurance, Titan insurance, Direct auto insurance, Mercury auto insurance, Allstate auto insurance, Nationwide auto insurance, Travelers insurance and The Hartford auto insurance.

Florida Auto Insurance Details

There are mainly three types of insurance coverage the insurance companies offer in Florida. These are PIP (Personal Injury Protection), BIL (Bodily Injury Liability) and PDL (Property Damage Liability). But many companies also offer collision, comprehensive, uninsured and underinsured motor coverage. Under Personal Injury Protection coverage the insurance company will pay your injury related expenses regardless of who was at fault in the accident. This coverage includes medical expense, lost wages and lost services.

How to Find Cheap Auto Insurance in Florida

It’s true that among the auto insurance companies there are some companies which offer cheap rates, but you have to be smart enough to find them. For new car owners they have to follow few methods about how to get cheap insurance company. Normally the insurance rates are determined by considering your driving records, car age and prices, driving courses and license, and the city you live. If you have good driving records and have attended few drivers’ safety courses you will get cheap rates from the company.

When you are looking for auto insurance in Florida you have to do little home work to find the best auto insurance company. Accident happens every day in every city and auto insurance provides protection against them, it will be better to buy auto insurance coverage when you have vehicles.