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If you are licensed in the state of Florida, you are legally required to purchase and maintain a Florida auto insurance policy to satisfy Florida financial responsibility laws that are mandated by the state.  Drivers choosing to disobey these state mandated laws could face serious punishments if they are pulled over by law enforcement.  Some of these punishments include suspension of Driver License, suspension of vehicle registration, serious fines and jail time for multiple offenders.  If you are in the process of purchasing a vehicle or currently are quoting insurance policies because of an upcoming policy renewal, it is important to understand the coverages required by the state of Florida.  Review the coverages below and build a comprehensive policy that will protect you and satisfy state financial responsibility laws.

While Florida’s mandatory auto insurance laws vary significantly from most states, they are specifically designed to protect all residents.  Like all states, Florida requires licensed drivers and vehicle owners to carry minimum liability coverage limits to protect a third party against injuries and damages.  Liability consists of both Bodily Injury and Property Damage coverages.  Drivers must carry no less than ,000 per person/ ,000 per accident in Bodily Injury and ,000 per occurrence in Property Damage.  While these limits will satisfy the Florida auto insurance laws, it is recommended for drivers to carry higher limits if they can afford to do so.  Increasing the limits to 0,000 per person/ 0,000 per accident will not significantly increase premiums for drivers with an acceptable driving record, so it is important to weigh your options wisely.

While Florida is considered a no-fault state, the Florida state legislature recently revised the required coverages and made carrying Personal Injury Protection insurance optional as of January 1, 2008.  If you are currently carrying PIP coverage, you are protecting you and your passengers against injuries no matter who was deemed at fault for the accident.  This coverage is recommended for all drivers, even those who currently have medical insurance.  While it is recommended for all drivers, it is no longer required and can be rejected for your Florida auto insurance policy.  

Other optional coverages include Uninsured Motorist, Uninsured Motorist Property Damage, Under insured Motorist, Comprehensive, Collision and others depending on the insurance provider.  If you are building a comprehensive policy that will protect you, your passengers, and your vehicle, seriously consider the cost of each of these coverages for adequate protection.  If you are not carrying adequate coverage, you could experience an unexpected claim that could cost you thousands of dollars out of pocket.

There are several different premier insurance companies servicing the state of Florida.  Receive a variety of different quotes with different coverage limits and options and choose an affordable premium that gives you peace of mind and protection.

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Best answer:

Answer by sassinya
I have found State Farm to be the cheapest Auto Insurance in FL.
I don’t have my policy with me at work but I would call them and Geiko and maybe Allstate and see where you get.

Know better? Leave your own answer in the comments!

Finding cheap Florida auto insurance rates has never been easier. You can search the online marketplace to help you comparison shop for the lowest rates available. try to find a website that offers multiply resources to get a quote, use this resource to make informed decisions about your car insurance. You can get great service from the most reliable and affordable insurance companies in Florida this way, so the only thing you do is save money. With Florida resident’s average insurance premium at roughly ,104 in 2004, and with the national average being around 4, most Floridians incorrectly assume that they have no choice but to take these rates set by insurance companies and state regulatory agencies. Here we know there are competitive rates available for you in Florida, and we want to help you find them. 2007 had the first decrease in rates since 1999. At a .5% to 1% decrease in car insurance rates, from 2006!

Sites with the options of getting rates from more than one company have facilitated the change by bringing the competitor directly to the consumer and by bringing down your costs through technology! It is easier than it was just 2 years ago to get cheap Florida auto insurance. As the years go along the insurance values also change and by ignoring the rate changes in Florida, you could be paying more than you need to. Just one year earlier, the average car insurance premium in 2003 was about ,013, that’s an increase of about 8.98% in just one year! The state of Florida abides by a No-Fault system meaning your insurance company will make payments for your injury claims no matter who is at fault, up to a specified limit. You should be careful that the details of a no-fault system vary from state to state and it is better to check with your state insurance regulator. Visit Florida’s state Insurance regulators page to find this information. Florida state law does require PIP (Personal Injury Protection) ,in addition to property damage liability coverage with a minimum limit of ,000. This minimum coverage is often mentioned as a PIP/PD. In trying to lower your insurance cost, try to get libility insurance only but rember if you do get in an accident you will have to come up with the money to fix your car.

Personal injury protection (PIP) in your coverage helps pay for “reasonable and essential” medical expenses for your passengers and you. In Florida the state law requires a minimal PIP coverage of ,000. In addition, you can get ininsured/Underinsured motorist coverage for any bodily injury made by an uninsured driver. All tho Florida state law doesn’t require this coverage, you can buy this as an option for added protection. You can get a quote and even buy your policy online. When you apply online all you need to do is enter your zip code to get started,in a matter of minutes you can be looking at some the most cheap Florida auto insurance rates available in Florida. Don’t waste your money paying high insurance premiums, when looking for cheap Florida auto insurance start saving now by clicking some of our links and getting an informed quote and cheaper insurance quotes.

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Best answer:

Answer by oklatom
The Florida no-fault system really is in regards to medical payments. This means the insurance company covering your car will make payments for your bodily injury claims regardless of who was at fault in an accident. The property damage done to your vehicle should still be covered by the at-fault party.

Florida Law requires that motorist carry a minimum of $ 10,000 of personal injury protection (PIP) and $ 10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. This law applies to self-propelled vehicles, with four or more wheels that are both registered and licensed in the state of Florida. Auto insurance must be carried continuously throughout the registration period of the vehicle.

What do you think? Answer below!

The high cost of Florida Auto Insurance creates a financial burden for many drivers. Some young drivers may find it difficult to pay for car insurance. New drivers of all ages face outrageous car insurance rates during their first few years on the road. Those who are paying a high price for auto insurance can save money by driving safely, researching insurance companies and keeping their credit score high.

Maintain a Good Driving Record

A car accident or D.U.I. charge can raise the cost of someone’s Florida Auto Insurance. In some cases, car insurance rates go up so high after an accident that the driver at fault can no longer afford car insurance. Careless driving is the quickest way to raise your car insurance rates, and it will take several years before insurance rates are lowered back to a reasonable level. Some accidents cannot be avoided. A severe weather storm, slippery roads or other poor driving conditions can cause someone to slide off the road or hit another vehicle. Many accidents can be avoided though. Drivers who keep their eyes on the road are more likely to avoid a collision. People should not drive while they are upset or tired, and cell phones should not be used while driving. One of the best ways for drivers in Florida to save money on auto insurance is to maintain an excellent driving record by driving cautiously and following the traffic rules.

Shop Around For the Lowest Rates

Many people choose a particular insurance company because they are familiar with the company name. They may have seen the company featured in television advertisements or heard about the company through a friend or family member. Well-known insurance companies may offer a great rate, but someone will not know if they are getting the best rate possible unless they do some comparison shopping. It is a terrific idea for someone to get Florida Auto Insurance quotes from multiple insurance companies to find out which one offers the lowest rates. It does not take long to do a bit of insurance research, many websites offer free comparison quote services. In some cases, someone can receive an instant quote on auto insurance.

Obtain an Excellent Credit Score

When someone applies for Florida Auto Insurance, the insurance company checks their credit history and score. People who have a poor credit rating usually have to pay a much higher insurance rate than those with a good credit score. Someone should order a copy of his or her credit report at least once a year to make sure the information in the report is correct. If there is any outdated or incorrect information on the credit report, a letter should be sent to the credit bureau to inform them of the error. Limiting the amount of retail store credit cards and paying monthly bills on time can also help someone to raise their credit score. Once someone’s credit score rises, they can search for a better deal on auto insurance.

Best answer:

Answer by Chuck
The reason that insurance is through the roof is because most people down here drive like total retards! Excluding yours truly, of course. Get the insurance. It’ll probably pay for itself in a year. Try Geico. It really did save me money….

Add your own answer in the comments!

What Causes Auto Insurance Rates to Increase

Let’s face it Florida auto insurance is expensive there are several reasons premiums may be increasing  The main reason is claims In order for insurance carrier to remain profitable they have to properly manage cash out vs. cash in. One of the biggest influxes of claims stems from auto insurance fraud which has driven up insurance rates in central Florida. An article on Bloomberg recently stated that staged accidents surged over 50% in 2009. The deliberate crashes have moved from south Florida to Central Florida to include Tampa and surrounding areas. Carriers pay out thousands for fraudulent bodily injury and personal injury claims that are paid without proof of fault. Other reasons you may pay more are accidents, major traffic violations and a poor Insurance score. Insurance Risk Scores have become a big part of determining risk for most carriers and while different than a beacon score can have a big impact on the final rate you pay. Insurance carriers have indicated that statistical studies show an association between credit history and the likelihood that a consumer will file an insurance claim. Another reason cited has been the effects of the recession to motivate consumers to reduce coverage’s and drop bodily injury and Uninsured motorist coverage which protects us when we are in an accident caused by others who are driving without any insurance at all. If the uninsured hits us our company pays the claim and in turn drives up rates. Consumers can also expect as big hit to the pocketbook  if they allow their auto insurance to lapse, not only is it illegal in the state of Florida but most carriers won’t even insure you and if they do the rate will be astronomical.

Tips To Lower Your Auto Insurance Rate

Rate comparison shop with a Independent Agent who represents many companies:

First if you’re considering switching carriers or recently purchased a new car, you should never go direct instead op to go to an insurance broker so that they can shop for you from among all the top carriers at one time to find the best deal. First send them your current declaration page to see if they can beat what you’re currently paying then make changes as needed.

Don’t shop right after an accident or ticket; you will typically do better where you are since you may be paying a surcharge for a few years for the DMV hit
Don’t shop around for insurance when your credit scores are lower.
Complete an Annual review of Your Coverage’s with Your Agent:
 
Your agent has an obligation and a desire to educate you and keep you coming back for years to their agency. Even without switching insurance providers, you may be able to reduce you’re annual premium by discussing your current needs vs. current coverage to determine the best fit, simply said.. needs change over time. Many times you can move some things around to get more optimal coverage and reduce the premium a little.

Look for discount Opportunities:

Shop for a safe car or car with lower rates Example Honda Civic is much more to insure than a Honda Accord.
Anti theft, Car alarm, Vehicle recovery system
Homeowner Discounts
Multi-Policy discount Combining multiple cars or Your Home and Auto or Auto and Umbrella liability policy

Last Resort, You lost your job and your desperate to save at least until you get back on your feet and don’t want to have a lapse in coverage.

Drop your uninsured-motorist coverage.
Drop extra’s like towing and labor
Add a PIP deductible to lower premium
Drop your liability coverage to the minimum allowed by state law. In Florida 10/20/10
Drop your collision and comprehensive insurance coverage
Increase your deductible to ,000 or more for collision and comprehensive deductible
 

It is very important to have affordable insurance on your auto but keep in mind that if you reduce your coverage to the state minimums you may be placing yourself and your family at significant risk of losing much more if you have assets and or liquid reserves. If you are in an at fault accident and you severely injure someone or God forbid even kill them you can be held liable for all expenses over what your insurance policy limits cover.  Most will find that some simple repositioning of there coverage’s can provide adequate protection and keep the wallet intact.

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Drivers can find many options for low cost Florida auto insurance on-line, but there are a few things to know beforehand.  First, it is necessary to have the following information:  make and model of the vehicle; VIN, or vehicle ID number; birth dates of all drivers and their drivers license numbers. Drivers are legally required to provide information about any prior violations, as well.  Although most companies in the state provide insurance for high-risk drivers, these policies are obviously more expensive.  Any driver who has had a license revoked in the past or who has a license that is currently suspended will find it more difficult to buy insurance.  However, it is still possible to do so.  

In order to make sure that accident coverage is sufficient, it is necessary to understand Florida auto insurance laws.  While they are fairly complicated, a knowledgeable agent can explain the intricacies of each kind of policy.  Since Florida has no-fault laws, each party involved in an accident is liable for his own medical and personal injury expenses.  There is also a limit on the amount another driver can be sued.

Florida auto insurance companies provide various combinations of injury protection and property damage liability.  All drivers are required by the law to carry at least ,000 of property damage coverage and at least .000 of personal injury coverage.  If a driver cannot afford insurance, most companies will adjust quotes accordingly until a compromise that provides sufficient coverage with as many as possible benefits can be reached.  Providers of Florida auto insurance have the legal right to refuse to cover any driver who they consider to be too high-risk.  Operating a vehicle without insurance is a serious offense that carries stiff penalties.  

In order to reduce monthly premiums, some drivers choose to increase their deductible or to exclude some benefits.  By merely comparing prices, drivers may be able to find considerable savings.  Careful thought to ensure adequate coverage in a variety of scenarios is crucial.  While a minimum deductible may keep the driver’s license from being taken during a traffic stop, it may not be enough to pay for the expenses in a more serious accident.  The easiest way to compare the prices and benefits of different policies without pressure to buy is to shop on-line.  

Add-on options may vary from one insurance provider to another.  An agent can explain these differences and  clarify the various options, such as liability for bodily injury, under-insured/uninsured, collision, and comprehensive.  A quote for roadside assistance may be well worth considering.  Shopping for a new policy (with lower prices, excellent service, and better options) before the current policy expires allows time for research and negotiation.  Just because an insurer is well-known or popular does not mean that it is the best choice for your auto or your wallet.  On the other hand, the best quotes from a less than reliable insurer can lead to misery if the company refuses to handle your claim when you need them.  Shopping wisely and carefully comparing your Florida auto insurance rates will pay off in the long run.

Best answer:

Answer by car253
A lot of companies no longer have $ 0 deductibles. The minimum may be a $ 50 deductible. But it varies from company to company.

Add your own answer in the comments!

Florida Auto Insurance is preferred as the climate plays havoc with sudden summer storms leading to deathly accidents and breakdowns. Having auto insurance in Florida can assure you of safe driving in any part of Florida with peace. You can enjoy your long drives as much as you want without worrying about anything. The most sensible thing would be to immediately go for Florida auto insurance in case you still do not have one.

Auto Insurance Laws in Florida

Unlike other states where drivers can have a minimum amount of insurance coverage but in Florida it is different. Every driver if they have a Florida driver’s license then they should have ,000 of Property Damage Liability (PDL) and ,000 Personal Injury Protection (PIP) coverage.

If you are driving in Florida without a driver’s license you are bound end up in a major trouble. For three years the registration could be suspended with your driver’s license along with the vehicle tag. It can be revoked only by reinstating it by providing enough proof through documents of the Florida car insurance coverage.

All this comes with some extra money. These services are charged a nominal fee of 0 for offenses, including other fines and reinstatement fees. To avoid these ensure that while changing the auto insurance company or if you happen to move to Florida be careful and see to it that for any reason the insurance policy should not lapse. Even while renewing do not wait for the last date to approach and also do not cancel the existing insurance before signing the new one.

By paying little attention to these kinds of small intricacies one can get insurance for good premiums. Otherwise be prepared to shell huge sum of money as premiums until you re-establish yourself as a good customer.

Just having any insurance would not work. The law clearly states that one needs to have state specific Florida auto insurance. In case you have insurance in another state you still need to have Florida auto insurance. You can either be insured by a Florida auto insurance carrier or by the carrier in Florida that does business there. Check with the agent so that you are covered under every possible discount you come under to avail a good deal.

It is obvious from the fact that to be issued auto insurance one needs to keep a clean driving record depending on which the insurance rate is determined. The driving record usually contains information regarding suspensions, restrictions and violations that may be specified on the driving license. The best and wisest thing to do is to cross check your Florida driving record to ensure that the information provided is correct before you start hunting for auto insurance.

Choosing online services has many advantages is that you can get quotes from auto insurance companies specific to the place you are residing in Florida. Opt for purchasing a car that will cost less to insure if you want to shell out less money as premiums. And also having good driving record can give you an edge over others.

Best answer:

Answer by chicagok
Yes, in Florida it is a law that insurance must cover complete windshield replacement.

this doesn’t mean you can get it done anywhere you want but most places are authorized.

Add your own answer in the comments!

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