People in the state of Florida are required to have automobile insurance coverage. Though the minimum requirements for auto insurance provide some protection, many people choose to get additional protection, including protection from natural disasters. Saving money on a plan that suits your needs for these plans and others starts at FloridaDiscountInsurance. It is essential to compare rates from multiple different auto insurance providers, but also to be aware of what the minimum limits for automobile coverage are in the state of Florida and what types of coverage are best for your specific needs.
Like most states, Florida has minimum limits required for car insurance in the state. In addition to the minimum limits, however, there are numerous optional coverages that people can purchase to protect themselves further financially if they get into a car crash.
Use the tools here to determine not only prices for the minimum limits for auto coverage in the state, but also to find the amount of coverage that suits your needs. Some people choose to get more significant amounts of coverage to protect themselves further, and others look to save money on auto insurance plans by raising their deductibles. With many ways to save money, and many things needed to compare policies, read through this entire article for top car insurance information.
Florida requires two different types of car insurance for people to drive legally in the state. The first of these is Personal Injury Protection, which is also called PIP. This type of coverage will pay for up to 80% of a person’s medical expenses, as well as the medical costs of their passengers that do not have a PIP plan of their own. This coverage kicks in regardless of who is at fault in the accident. PIP plans are designed to help prevent excessive use of the court systems and to help people get payments for related medical expenses efficiently.
Personal Injury Protection is required in the amount of $10,000 Personal Injury Protection coverage per person and $20,000 Personal Injury Protection coverage per accident. Additionally, $10,000 of property damage coverage per accident is also required in the state of Florida. Many people choose to get more than the minimum amounts to further protect themselves. Injuries can add up to more than $10,000, meaning that you will be liable for the additional expenses if you do not have enough coverage. Also, if the other driver sues you for medical bills beyond what their own Personal Injury Protection will pay for, you could be held liable for those. Some people do choose to purchase bodily injury liability coverage in addition to Personal Injury Protection because of this.
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When you are comparing car insurance prices from companies in the state of Florida, make sure to compare similar policies. Check each policy line by line to make sure the deductibles, limits, and offered services lineup. Remember that comparing prices is essential, but the customer service a company gives, and the financial strength they have can also be essential.
FloridaDiscountInsurance provides free quotes for car insurance from multiple companies, allowing you to quickly and easily compare rates from multiple companies and select a policy that suits your needs. Other types of insurance coverage outside of the minimum limits are often purchased in the state, like uninsured motorist coverage. If you are in an accident with another driver, and they do not have insurance coverage, you could be hit with costs above and beyond what you are expecting to pay. Uninsured motorist and underinsured motorist coverage can help with these things.
Carrying the minimum amount of coverage in the state of Florida is important not only because you could otherwise be held liable for massive expenses if an auto accident occurs, but also because you could be subject to more considerable fines and fees if you are pulled over an officer or caught driving without insurance in the state. People who are caught driving without insurance in Florida may be required to get SR-22 insurance, and FR-44 insurance could also be required. These puts people into a higher risk category, which means they will pay more money on average for a plan.
In selecting the best options for automobile insurance in the state of Florida, FloridaDiscountInsurance has taken into consideration things like customer service, financial strength, coverage options, discounts that are available, market share, and more. Using all of these variables, each company was reviewed, and a list of the top car insurance providers in Florida was created. By looking into how each auto insurance provider was reviewed by their customers, as well as information from customer experience reporting services, this list was put together. Also, the complaints filed with the state against each provider were also considered.
State Farm was one of the top providers in the state, even though the pricing of the policies was higher than many other companies on the list. With exceptional customer service experience and response, State Farm was worth the additional money to many people. Also, the financial strength that State Farm has is fantastic. The quotes were higher than other companies on this list, such as Allstate, which could be a dealbreaker for some people. Still, it is a smart plan to get an insurance quote from State Farm, as depending on your age demographic, driving record, and the discounts you qualify for, you good get a plan from this top-ranked company cheaper than you think.
In addition, State Farm offers many discounts, including an accident-free discount, homeownership discounts, good driving discounts, vehicle safety discounts, multi-car discounts, and more.
Allstate is another company that tops the list of best car insurance companies in Florida. The prices here are lower than State Farm, and while it’s financial strength is not as high as State Farm, it is high enough to make all of its payouts easily. The company offers lease gap insurance with much more flexibility than State Farm, meaning that if you are purchasing a new vehicle, Allstate may be a better choice overall. In addition, spending less money on rates at Allstate may lead to you being able to afford additional types of car insurance that you otherwise might not be able to afford with State Farm.
Progressive insurance is another company that is top-ranked in Florida. It is well known for its mobile app and online services. While not as highly rated as State Farm or Allstate, there are some redeeming factors to Progressive. It is extremely easy to get a free quote on the website, and there is a live chat option available if you have any questions. Only taking a few minutes to get a quote, it is an excellent website to comparison shop at.
While quotes from Progressive are in the middle of the road, there are numerous discounts that drivers using the service can utilize. This includes discounts like multi-car discounts, multi-policy discounts, homeowner discounts, safe driver discounts, pay-in-full discounts, paperless discounts, and more. Using these discounts, you could save even more money on your policy, making it even more competitive in price.
It is recommended to get at least four quotes from different car insurance companies before selecting a policy. Compare each policy line by line and find the best policy to suit your situation. The free quotes at FloridaDiscountInsurance are a great way to compare and save.
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