Although one of the most populated states in terms of person per square mile, which generally means a higher likelihood of traffic accidents, the Sunshine State mandates relatively low automobile coverage requirements. The rates in FL may be among the highest on average in the nation, but residents may want to look into obtaining more than the bare minimum.

At this point in time the state’s laws only require motorists to purchase auto insurance policies consisting of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. In the event of a number of different scenarios occur stemming from a traffic collision, having such little protection can leave a policyholder with a financial strain.

Even with coverage costs being high in the state, it can be well worth the extra money spent on premiums to avoid being left to foot a bill in an amount that has exceeded the limits of a policy. When residents set out to purchase automobile policies it may be a good idea to complete a Florida car insurance comparison based on the various options that consumers have to choose from.

In many cases a Floridian may be surprised to learn that more adequate protection can be obtained at a price that can be afforded. Getting quotes on different coverage levels can be done free of charge and can prove to be beneficial if a better policy is found at a price that is right; the only thing a consumer has to lose is a bit of time to shop around.