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Florida the southernmost state of the United States is not only known for its vacation spots and theme parks but also for its beautiful scenery. The Sunshine State earned that nickname. The nations third most populous state it is home to several cities with more than one million people including Miami Orlando Jacksonville and Tampa. In addition to its mild climate Florida is home to several professional sports teams in the Florida Keys and Everglades. The state borders the Atlantic Ocean the Caribbean Sea and the Gulf of Mexico.
Finding the right car insurance quotes Florida means you can stay up to date with the requirements. But remember that minimum coverage limits are just the beginning. You may consider increasing your coverage for more coverage.
Car insurance rates in Florida are significantly higher than the national average. Full coverage currently costs an average of $2.762 per year and minimum coverage is $997 per year. High flower prices are due to a number of factors from population growth and more drivers on the road to the potential risk of extreme weather. These issues can be purchased at a higher but cheaper auto insurance in Florida. Geico and Allstate offer the cheapest rates for minimum coverage while State Farm and Geico offer the cheapest full coverage auto insurance in Florida on average according to reviews.
What Car Insurance Quotes Florida ?
Driving without insurance is illegal in Florida. Florida drivers must have the following auto insurance policies: uninsured motorist bodily property damage and personal injury coverage.
Car Insurance Florida Laws
According to the Florida Department of Highway Safety and Motor Vehicles (DHSMV) all drivers in the state are required to have car insurance. If you are stopped you may be fined for not having valid proof of Florida auto insurance. So make sure you have your insurance card with you when you drive.
Two important Florida car insurance laws that you should know about are the Financial Liability Act and the No-Fault Act.
Financial Responsibility Law – Some drivers are required to purchase comprehensive auto liability insurance because of their driving history. These drivers include drivers who injure others in accidents and drivers whose licenses have been seriously penalized due to DUI or serious violations and/or revocation for repeated violations.
Florida No-Fault Law – All drivers must carry Personal Injury Protection (PIP). This coverage helps pay for the medical expenses of the insured in the event of an accident regardless of his fault. Because Florida is a no-fault state it is often assumed that drivers cannot be prosecuted for accidental injuries but this is not true. No fault means that a driver involved in an accident turns to the auto insurance company to pay for the ensuing costs.
Florida Car Insurance Quotes Coverage
Collision Coverage
If your vehicle or the vehicle you are driving collides with or overturns collision coverage pays compensation up to the coverage limit. This type of coverage is usually required if you finance your vehicle.
Comprehensive Damage Protection
This type of insurance covers damage to your vehicle or any vehicle in your custody as a result of accidents or other incidents such as theft vandalism flood hail or other perils. This is usually required if you have a car loan.
Liability Insurance
Liability insurance provides coverage to pay for personal injury or damage to another persons vehicle or property for which you are legally responsible. This type of insurance is required in most states.
Medical Payment Coverage
If you and your passengers are injured or die in an accident Medicare pays for your doctors hospitalization and funeral expenses. This type of coverage also protects you as a pedestrian if you are hit by a vehicle.
Uninsured/Partially Insured Motorist Insurance
This type of uninsured motorist insurance covers the pain and suffering of being involved in a hit-and-run accident or an accident with an uninsured person. Medical disability and personal injury are excluded. Protect. Underinsured driver coverage covers bodily injury suffered by you or your family if the person liable is not sufficiently insured.
Best Florida Car Insurance Company
State Farm is our pick for Floridas best insurance company based on sterling ratings from ValuePenguins editors. At JD we factor in strong customer reviews. Powers Auto Insurance Claims Satisfaction Survey.
Geico is another great option that offers the lowest rates in the state and buys policies with an easy online experience.
Customer service should be an important part of your decision with your insurance company. Good service can make things easier in the often stressful and difficult times following an accident.
