In Florida, you are required by law to have auto insurance providing $1000 Personal Injury Protection (PIP) coverage and $1000 Property Damage Liability (PDL). It’s possible, however, to reduce your car insurance fees while keeping in line with Florida laws.
If you’re new to Florida, you may hear the phrase “Florida Coverage” while shopping around for car insurance. This simply means that you need to get your car insurance from an insurance company that has been licensed by the Florida Department of Financial Services.
You can get a publication from the Florida insurance department showing typical prices charged by different companies and make a comparison by calling several companies and asking each of them for a quote. You can also get Florida car insurance quotes to compare online. This method is becoming more popular nowadays as it can save you a lot of time, though it may not be as accurate as getting quotes from Florida car insurance providers directly.
In Florida, the larger companies are likely to be the more expensive ones while the smaller, local companies are likely to be cheaper, but provide less ample coverage. Note that drivers are known to be quite aggressive in Florida and Florida State has a “No Fault” policy meaning that your own policy needs to pay for medical bills for car accidents even if the car accident was caused by another driver. With this in mind, it may be worth aiming to get more than just the bare-bones car insurance deal, just in case. This all comes down to what your priorities are.
Note also that Florida has been called the “car insurance scam capital of the world”. Cheap car insurance dealers often raise your price after a month due to what they might call a “company rate error” – a practice which is known in the car insurance industry as “low balling”. The only way to avoid this is to stay away from companies with a poor reputation and if possible pay more for a better company.
So shop around and look for the best deal on your Florida auto insurance – but keep an eye out for yourself too.
Getting a auto insurance quote is easy if you know where to look. At Cheap Guy’s you can get multiple rate quotes from up to 5 local and very reputable insurers. This way you save yourself hours and hours of time trying to shop around by individually filling out those long and drawn out forms.