Finding The Cheapest Auto Insurance in Florida
There are many ways for a consumer to find cheap Florida car insurance. One way to do so is to shop around for coverage. Since each insurance company uses its own criteria for determining rates, it is possible to save money by looking at a number of options before making your decision.
It really does pay to shop around for your coverage. Even if you have been with the same insurance company for years, you may be able to find a company willing to offer you the same level of coverage, or better, for lower rates. With the Internet making it much easier for you to shop for and get the protection you need, why wait to find out whether you can get a better price for your car insurance?
A number of web sites offer a customer the chance to get quotes from multiple insurance providers by inputting their personal information one time only. This is much easier and less time-consuming than if you had to visit each company’s site individually to find out about available options.
Another advantage to filling out the form once is that you will find it much easier to compare the quotes you are given. If the policies you are being quoted on are all similar, it’s less likely that you will get bogged down in the details when you are trying to decide.
South Florida Auto Insurance Coverage Recommendations
South Florida consumers who want to buy auto insurance coverage need to understand that the minimum level of protection mandated under state law is only a starting point. The required policy limits in this no-fault state are meant to pay for the policyholder’s personal injury claims following an accident. Property damage liability coverage to pay for repairs to the other driver’s vehicle and any public property is required under state law.
Along with buying the Personal Injury Protection and property damage liability coverage required by law, south FL drivers should also consider adding uninsured and underinsured motorist coverage to their policy. Even though having insurance in place is a legal requirement, not everyone in the state complies with the legislation. Uninsured motorist coverage is used to pay for personal injury claims when the at-fault driver in an accident doesn’t have any coverage in place.
Underinsured motorist protection works a bit differently. It comes into play when the at-fault driver in an accident doesn’t have enough protection to pay for damages caused in an accident. The other driver’s insurance policy pays out up to its policy limits and the underinsured motorist protection is used to make up the difference, up to its policy limit.
A driver in south Florida should make a point of evaluating his or her needs before deciding how much car insurance coverage to put in place.
What is the Average Cost of Florida Auto Insurance?
In 2020, the average cost of Florida auto insurance was $1,969. This figure is higher than the national average of $1,778. You may consider yourself to be an average driver, but that doesn’t mean that you will be paying the average rate for your car insurance coverage.
The number that makes up the average for car insurance in Florida includes figures representing drivers who buy only the minimum level of coverage required by law, as well as those people who choose to have a larger limit on their policy. It includes drivers who present a low level of risk (and who are charged less for their coverage), as well as high risk drivers (which includes teenage males, who tend to pay the most for their car insurance).
Insurance companies use a number of factors to determine how much to charge a particular applicant for their car insurance coverage. Each company has its own set of criteria, and each person who is looking for insurance is different. Knowing the average cost of auto insurance in Florida is a good guideline to use, but the term “average” is a bit of an artificial one.
A better way to find the right coverage for you is to take the time to compare quotes from different car insurance companies. Looking at online quotes for car insurance is a quick and easy way to make sure you are not overpaying for your car insurance.