Florida Auto Insurance

Florida auto insurance

Florida Auto Insurance Quotes

Florida has minimum auto insurance requirements.  However, it is better also to purchase the other available car insurance coverage options.  Read more about Florida auto insurance requirements, Florida auto insurance and how to get cheap Florida auto insurance quotes.

Minimum Required Florida Auto Insurance
The state of Florida, through the Department of Highway Safety, DMV, requires all drivers to purchase minimum insurance including liability coverage.  Drivers must have proof of insurance with them at all times. Additionally, the DMV requires drivers or vehicle owners to present proof of Florida insurance before registering vehicle license plates, tags or even vehicle registration.

The minimum types and amounts of automobile coverage that Florida drivers must purchase are $10,000 of bodily injury coverage per person, $20,000 bodily injury, (BI), coverage per person and $10,000 in property damage liability, (PDL), coverage.  This coverage includes legal defense costs. Again, drivers must always carry proof of insurance with them when driving.

Florida Uninsured or Underinsured Motorist Coverage
Currently, Florida does not require uninsured or underinsured motorists coverage, (UM/UIM).  This type of policy covers you if the other driver is underinsured or uninsured.  However, Florida requires that insurers offer you such auto coverage and, if denied, you must deny such offer in writing.  Both policies are good ideas.  Read more on Florida state requirements.

Florida is a “no fault’ state.  At fault parties are financially responsible for their accidents, injuries and damages caused.  As such, Florida does not require drivers to carry comprehensive coverage, collision coverage or Personal Injury Protection (PIP) coverage.  Most people know what comprehensive and collision coverage is, but PIP is insurance provided to you for medical damages from your insurance company without regard to who is the at fault party.

Special Florida Auto Insurance Policies
Florida may require you to buy and maintain special insurance coverage.  Florida law requires certain drivers to have either SR-22 auto insurance or SR-44 auto insurance.  These type of policies both require the company to submit evidence or proof of insurance to the DMV and may increase certain minimum required Florida auto insurance requirements.

Florida law requires certain drivers who have driven without insurance, have had license suspension or license revocation to buy and maintain SR22 coverage.  SR22 insurance rates are much higher than other drivers because typically, drivers with license history problems are risky drivers.  Additionally, the insurers are compelled to report any lapses in the insured’s policy to the DMV.  However, the legal coverage minimums may still apply.  But be careful as these sanctions get worse for SR-44 policies–those convicted of driving under the influence, DUI.

Florida law imposes strongly sanctions drivers convicted of DUI.  Here, every DUI driver must buy and maintain an SR-44 auto insurance policy. This policy is expensive because not only does the state require insurers to notify the DMV when an insured’s policy lapses, but it also increases the amounts of required liability and thus premiums.

Usually, legal coverage minimums are $10,000 of bodily injury coverage per person, $20,000 bodily injury, (BI), coverage per person and $10,000 in property damage liability, (PDL), coverage.  However, under SR-44, the legal minimums are increased to $100,000 of bodily injury coverage per person, $300,000 bodily injury, (BI), coverage per person and $500,000 in property damage liability, (PDL), coverage.  Add the additional costs of additional coverage, plus more risk and reporting costs and you quickly discover SR-44 is expensive coverage.

Finding Cheap Florida Auto Insurance
As long as you have not had a DUI, or other problem with your driving history, you can get cheap Florida auto insurance.  Important factors represent significant coverage discounts to you.  Such factors include where you live, driving record, age and type of vehicle insured.

Your auto policy costs less if you live in a smaller city.  You pay less if you live in Naples, Alva, Marco Island, Lighthouse Point and Jupiter than if you lived in Daytona Beach, Miami, Orlando, Tampa or Pensacola.  Small cities present less auto thefts, auto accidents, less insurance risk and thus, lower insurance rates.  The converse is true for large cities.

Your vehicle type also determines insurance cost.  Before buying a car, you should first shop for insurance.  Most people shop for their car, then insurance—this can prevent you from buying cheap Florida auto insurance.

New cars, sports cars, motorcycles and cars designed to drive off-road are more expensive to insure.  New cars cost more because they are expensive.  If crashed or stolen, the insurance company will pay much for claims.  The other specialty vehicles like sports cars and motorcycles create more insurance risk because their drivers drive them more risky.  Risky behavior equals more risk and more claims, loss and premiums.  You can get a cheap Florida auto insurance quote for an older, regular car than a new, specialty car.  Shop first for a policy and then the car.

How to Get Discount Auto Insurance
There are many discounts available on auto insurance in Florida.  Ask your agent for these discounts.  A good driver discount is available for good drivers.  Good drivers get better premium rates.  Good student discounts are available for good students.  Ask your insurance agent for good student discounts.  Grouping other members of your family who are residing in your home with the same company is a good idea.  Also, grouping other insurable assets such as your home or RV to an auto and home owner’s insurance policy gives discounts.

Finding Cheap Florida Auto Insurance Quotes.
You can easily get several ways to get cheap Florida auto insurance quotes.  They are available through local auto insurance companies, local car insurance agents, nationwide vehicle insurance companies and companies offering sites with a quick quote service online on the Internet.

To get a local agent quote, simply call or contact a local auto insurance agent.  Before asking the agent for a cheap car quote, ask for a copy of your driving record.  At times, auto insurance companies fail to have your correct driving record.  Once, your driving history is verified and correct, request an auto insurance quote.  You can also get a free auto insurance quote on this site at any time 24 hours a day, seven days a week.

FREE Florida Auto Insurance Quotes

1. Supply your zip code in the form on our site here online.  We will get quotes from major insurance companies such as Allstate, Geico, 21st Century, State Farm or Nationwide for your area.

2. Click on one of the providers to start the process.  Once done, you can go back and get an additional competitive quote.  You will easily learn about or purchase a cheap auto policy in short time online.

Online Search Tips: Some of the most common searches are for Jacksonville auto insurance quotes, Miami auto insurance quotes, Tampa auto insurance quotes, St. Petersburg auto insurance quotes, and Orlando auto insurance quotes.