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| In Florida, every person driving a registered vehicle is required by law to carry vehicle insurance. The most affordable vehicle insurance plan comes with the state mandated minimum coverages. This policy would include $10,000 per person for bodily injury, $20,000 for bodily injury per accident (2 or more people) and $10,000 for property damage. This type of policy will ensure that you have a cheap Florida auto insurance policy but may not provide sufficient coverage for your assets if the accident is your fault and you are being sued. Get multiple Florida car insurance quotes when shopping around for rates. Make sure that you also ask for rates with higher limits of coverage for vehicles from each insurance company.
Finding a local insurance agent is easy with our directory. Simply click on your city or search by zip code and you will be directed to an agent. These are multi line insurance agents who specialize in providing you with many different policy types. They also represent some of the top insurance companies selling Florida car insurance. Purchasing more than one policy for your automobile from the same company in Florida will often result in discount insurance. This is often referred to as a “multi-policy discount” and is one of several discounts that you may be entitled to. Use our “Top Ways to Save on Car Insurance” link found on the main page of our website. Call an agent today for a Florida automobile insurance quote and ask about each of these points to make sure that you are getting lowest possible rate. |
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Florida is a tort state In tort states you are responsible for the injuries you cause as a result of an accident. Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 10/20/10. That is $10,000 per individual for bodily injuries you cause to the other persons, and up to $20,000 for all, and $10,000 for damage you cause to the other party's personal property. Many states now also use credit as a rating tool and having good credit can mean a lower rate. Florida determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the Florida Department of Insurance for additional details at the Insurance Basics link on this site. |
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