Florida, the ‘Sunshine State’, has some interesting car insurance rules for motorists. Like most drivers, a Florida motorist wants a car insurance policy that is good, as well as affordable. The problem, however, is that there are so many choices that selecting one can be a bit of a headache. Before you buy car insurance, get a little information about the motoring scene.
At present, the population of Florida stands at roughly 20 million. With each passing year, add about 10% to that. This has led to road congestion and an increase in the number of accidents along with auto thefts. There is no alternative to auto insurance and rates are skyrocketing like never before. But, never fear, you can get coverage for your vehicle at a reasonable rate provided you look for car insurance in the right way and in the right places.
Auto Insurance Quote-Florida: State Requirements
It is mandatory for motorists in Florida to have car insurance under its no-fault legislation. No-fault is designed to lower of insurance costs by eliminating much of the complicated legal process. Under the provisions of the law, motorists are required to insure for their own protection, but in the event of an accident they cannot sue the other driver. No matter who is at fault, a motorist will claim for his/her damages from his/her insurance company.
As per state law a motorist must have coverage of at least $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage (PD).
The flip side is that though this coverage makes you legal, it cannot be considered adequate if the accident is a serious one. In finalizing your Florida car insurance, I recommend PIP/PD of at least $100k/$100k. Be aware that any injuries or damages in excess of your coverage will be paid from your pocket.
Auto Insurance Quote-Florida: Other Important Coverage
PIP and PD only apply to your medical expenses and the property damages that you may inflict. Consider protection against these additional perils:
Collision – Insures your car for collision damages.
Comprehensive – Covers your vehicle for theft, as well as damages caused by fire, Mother Nature and vandalism.
Bodily injury – Insures for injury to other parties for which you are responsible.
Gap insurance – Covers the excess of the loan balance on your auto and the amount recoverable through your collision policy.
Auto Insurance Quote-Florida: Shop Around
If you act and decide wisely, you can save a lot when you shop for insurance in Florida. Always compare when you shop and use free websites like Quote Wizard and 2Insure4Less. You fill up a form one time and three to four quotes would be sent to you. You choose the best after comparing quotes.
Auto Insurance Quote-Florida: Potential Savings
However, keep these things in mind when you are in the process of deciding on auto insurance:
First off, insurance companies provide huge discounts for a clean driving record. If you qualify, make sure it is considered in the quotes you are reviewing.
A higher deductible will reduce the cost of your collision and comprehensive coverage. $250 and $500 are the most common amounts, but $1,000 is becoming more popular. What amount are you prepared to pay out-of-pocket for each accident?
If you drive an older, depreciated car, think about eliminating collision and comprehensive coverage.
If you are a senior and have not completed a course of mature drivers, consider it now. Florida regulations mandate that senior citizens taking this course be given lower rates for 3 years.
Consider adding safety features to your car. Many companies offer lower rates for self-adjusting seat belts, anti-lock brakes, air bags and anti-theft alarms.
Joe Goodman is the creator of Car Insurance Performance [http://carinsuranceperformance.com], an info-rich website that discusses how to find auto insurance that is right for you & your car…at the fairest possible price.
Home insurance policies in South Florida can be a little tricky considering the problems there like hurricanes. When you ask your agent for insurance quotes Florida premiums may come back with a higher price tag in order to compensate for the danger factor of the area.
A quick search on the Internet for home insurance agencies will turn up several choices for the South Florida area without having to leave your home. They will ask a few basic questions and give you quotes for free. This is a good place to start. The largest insurance companies will have requests for quotes right on their websites. Filling out their quote requests can be done in just a couple minutes.
To save a little time you can narrow your search to just a few of the agencies that sound the most interesting. Take in to consideration their location, their devotion to their customers and their mission statement. The closer you find an agency to where you will be located the better it will be if you ever do need to fill a claim. The closer the agency the quicker they will be able to respond to your request.
It is always a good idea to make a list of questions that you will want to ask the agent. You will probably want to ask about hurricane coverage, premium changes and any other issues that you might be concerned about for your particular property like is the garage covered or the porch.
Once you have a good idea about a couple that you think will be a good fit, make a call to the company. If the agent is willing to answer all your questions in a direct way and their attitude is pleasant, this is an indication they will be a good agent. Be sure to evaluate your policy every two years or so to be sure you do not end up paying too much or that your changing needs are covered.
It’s easier than ever to get insurance quotes Florida, but there may be some points you want to consider, which could help get you a better rate than you might have thought. More than a couple of things can work in your favor, if you know what to look for while getting information. Let’s take a look at some ideas.
Time can work in your favor because each time you get a year older, it could put you in a cheaper rate bracket. Time can also erase some of your old driving record offenses. It could be a good idea to investigate these matters to make sure you are not being over charged.
Liability coverage may be required by some state law, depending on where you live, and if it is, you will have to comply with the minimum. Liability, only, policies have choices of limits and if you have other financial worth, you might want a higher limit of pay out on this type of policy. Liability is intended to protect you against loss, too.
Collision and comprehensive coverage both have deductibles and maximums which you may be able to adjust in lowering your premiums. Collision only covers damage to your vehicle, while comprehensive covers such things as loss by fire, theft and collision with a large animal. It also covers some natural disasters and malicious mischief, if not caused by a family member.
Bodily injury and property damage are rather involved as to the types of coverage, but they can all be adjusted by raising or lowering your deductibles and limits of coverage. Keep in mind that these policies can help to prevent you from losing everything you have, if you are sued for damages. These covers such things as medical claims, other property damage, and loss of life, including your legal costs. You should examine your financial worth before deciding to make big changes in these policies.
Such accounts as mobile phone service, and satellite vehicle monitoring, may also have roadside assistance that is provided in the package with them. If you already have this type of membership, you don’t need to include it in your automobile coverage. You could opt not to include RA, and reduce your premium a little more each month. Otherwise, carefully weigh your net worth against how much your premium is when you are getting insurance quotes Florida. You might decide to have higher coverage on some things, while lowering them on others.
Magnificent tips and advice on how and where to get the best insurance quotes Florida now in our guide to understanding INS cover.
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