Enjoying the scenery and attractions of Florida typically requires the need for a good auto insurance policy to legally enjoy the drive. The best way to find a great policy is by comparing free rate quotes from different providers. To get these free quotes, a driver should use the feature found on our website, and whether the driver wants limited liability coverage or full coverage, we can help find that too.

Requirements:
Floridians know there’s plenty of great weather and things to do in their local areas, but are they aware that to drive around town they must have auto insurance coverage? It’s true, unless they have another form of financial responsibility declared with the state. The minimum amount of insurance that must be purchased is $10,000 for Personal Injury Protection and $10,000 for Property Damage Liability. Florida is one of only a few states that do not require Bodily Injury Liability, which is a coverage for drivers other than the policyholder or members that will pay for their bodily injuries. (Although some drivers may be required by a court judge to purchase BIL under certain circumstances.)

To go into more detail about the state requirements, Personal Injury Protection, or PIP, is a coverage that applies to the policyholder and other members of his or her policy. This will pay for the medical expenses of the policyholder or member and passengers in the vehicle. PIP will also cover lost wages that are the result of the accident. It is a no-fault coverage, which means the policyholder will receive PIP benefits no matter who caused the accident. Another benefit of PIP includes the coverage of the policyholder as a pedestrian struck by a vehicle. Any driver who drives a carpool frequently should remember the advantages of adding this coverage to their policy, and talk with their passengers about the healthcare coverage they have. Passengers who have little healthcare benefits will be relying on the carpool driver’s car insurance policy to help out with their medical costs. Policyholders should take this into consideration when deciding on the amount of PIP to purchase, since the insurer will only cover up to the purchased amount and no more.

Property Damage Liability is very beneficial in that it will pay for the damages the policyholder or members inflict upon property that does not belong to them. This includes structures like fences, vehicles, buildings, electric poles, et cetera that belong to another person or even a city. And like PIP coverage (or any coverage purchased), the amount the insurer will pay is only up to the amount purchased by the policyholder. Property Damage Liability does not apply to the policyholder’s vehicle, however. For the policyholder’s property to be covered, a separate coverage must be purchased onto the policy.

The amount of $10,000 for each coverage is considered by experts to not be enough coverage. Major accidents have expenses that will usually exceed this number, and the policyholder will be found responsible to pay for the difference in price. In looking around different parts of Florida, anyone can see where $10,000 wouldn’t be enough to replace another person’s vehicle if it were to be totaled or where that money wouldn’t cover major hospital expenses. Policyholders should consider carrying an amount that fits their surroundings, such as parts of Miami should probably carry a considerably higher amount than the required minimum.

Get Quotes:
Thinking of the expenses of car insurance, every driver should welcome the chance to find something for free. People in Florida can collect quotes from different insurance providers and compare them to get the best price. All of this can be done from our site and without any fees or obligations. Whether residents are actively looking for a new policy or they are just curious to see what other companies would offer, everyone should take a few minutes to find out what they could be paying as a premium. That’s right, a few minutes of answering a handful of easy questions will supply a list of at least four Florida auto insurance quotes.

Instructions:
On almost every page of this site, there is a white box requesting the driver’s local zip code. This is where the quote process begins. Enter the local postal code and proceed by clicking “Go”. When the new webpage opens, you will find the questionnaire has begun. Answer the given questions honestly and as accurately as possible. The answers help determine the monetary amount of the quotes. Notice as you go through the questions that there will not be any questions asking for information that could be used against you in identity theft, such as social security or driver’s license numbers. All information given is safe, but this is an added measure of mental comfort for consumers.

When the questions have been filled out, the applicant will be given access to the list of quotes. On the page will be the names of the companies alongside their prices for the desired coverage package. All of them are listed side by side for an easy comparison. At this point, the driver has a choice. Either they can purchase a policy right then, or they can wait and compare the companies in further detail and purchase the policy later. The policy can be purchased online by using a credit card.

This comparison tool can be used to determine the quotes for different amounts of coverage purchased. Full coverage is almost always recommended, especially when the total cash value of the vehicle is still high. When a driver is looking to see the difference between a full coverage policy and a limited coverage policy, this tool can be used to their advantage as there is no limit to how often you use it. Go through the questions and answer them for full coverage, and then do it again answering the questions for limited coverage. See the variations in prices and decide what is better for your situation.

There is no excuse for a driver to not be able to find a great auto insurance policy when we’re around. We have excellent resources available, such as guides, tips, how-to’s and explanations of car insurance meanings. Comparing Florida car insurance rates has never been easier or more convenient.