How to Get Cheap Car Insurance in Florida

Anyone who has a vehicle and who is driving in the state of Florida needs to make sure that they have proper car insurance. Drivers in Florida tend to spend quite a bit of time behind the wheel whether they are headed to the beach, to and from work, are picking their kids up from school, or are running errands. With millions of drivers on the road, there are bound to be accidents. This means that it’s important to make sure that you have insurance in the event of an accident and to ensure you are following the law in case you get pulled over.

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Those who are just getting a vehicle onto the road might have a few questions regarding car insurance, naturally. Below, you will find answers to some of the most important questions about auto insurance.

What Are the Minimum Insurance Requirements in Florida?

According to the law in Florida, you are required to carry a minimum amount of car insurance. If you do not have car insurance that meets these requirements, it can open you up to fines and even jail time. It is important to realize Florida is a no-fault state, which means that the insurance company will pay injury claims up to a certain limit no matter who was responsible for the accident. With a no-fault system, though, it does mean that drivers will lose some rights to sue another party for damages.

The minimum amount of car insurance you can have in Florida is $10,000 bodily injury per person per accident, $20,000 bodily injury for all persons per accident, $10,000 property damage liability, and $10,000 personal injury protection.

You do not have to have additional coverage, such as comprehensive coverage or uninsured motorist coverage. However, those who want to have more protection will find that there are other policies and plans that can provide them with this additional protection.

As mentioned, there are penalties that can be enforced when you do not have car insurance in Florida. If you do not have insurance, it can result in a fine that is between $150 and $500, as well as a suspension of your license. This suspension can be for up to three years. Imagine how much more difficult life would be with a suspended license. In addition, those who are involved in an accident and who do not have insurance, and who are at fault for the accident, can be held liable for all of the property injuries and the other driver’s bodily injuries. In those cases, drivers could have their license suspended until they pay those damages.

What is Covered by a Basic Auto Insurance Policy?

One of the other questions that are often asked about insurance is just what a basic policy will be able to cover. You will find that most basic policies are going to cover the same sorts of items. When you are choosing a policy for yourself, it is important to make sure you know and understand exactly what you are getting and the types and amount of coverage that you are buying. Let’s look closer at the elements that will be contained in most basic insurance policies.

  • Bodily injury liability will be coverage that applies to injuries that you cause to someone else. You, as well as family members who are driving the vehicle and who are listed on the policy, will be covered when driving someone else’s car with permission. It is essential to make sure that you have plenty of liability coverage because it is possible to be sued for a substantial amount of money otherwise.
  • Medical payments/personal injury protection is often included in the coverage, as well. This coverage will pay for the treatment of injuries to the driver and the passengers of the policyholder’s car. This money could be used to cover lost wages, replacing services provided by someone who was injured in the accident, or to cover medical expenses, for example.
  • Property damage liability pays for damage that you or someone who is driving your car with your permission causes to someone else’s property. This is often damage to another vehicle, but it could also be damage to any structure that your vehicle hits.
  • Collision coverage will pay for damage to your vehicle that results in a collision with another object. This could be another car, a pole, a tree, or in the event that the vehicle flips over. It can also cover damage that occurs to the vehicle because of potholes.
  • Comprehensive coverage will reimburse the policyholder in the event that the vehicle is stolen or that there is damage that was caused by something other than a collision. It can cover a wide range of issues, but you will want to read the policy carefully to understand how it will apply to you.
  • Uninsured and underinsured coverage provides reimbursement for you, a designated driver, or family member if one of you is hit by a driver that doesn’t have insurance or who does not have enough insurance to cover the damages. It can even provide protection for those who are victims of hit and run.

Where Can I Get One?

You know that you need to have insurance, but you might still be wondering just where you will be able to find coverage. While there are many different companies offering insurance for your vehicle in Florida, it can be hard to find quality cheap insurance on your own. There are so many companies that making the right choice can be difficult. Fortunately, there are companies like ours that can help you with your search.

Affordable Car Insurance Tampa is dedicated to making sure that our customers are getting the best, cheapest car insurance possible. We can sort through the options and help you to find the right low-cost car insurance that will provide you with the coverage you need. Get in touch with us today and get a car insurance quote in about 10 minutes.

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