Although the national average insurance premium is $1,600, recently, the average annual insurance premium in Florida recently went down to approximately $1500. This means that the residents of Florida are paying less for their car insurance then other residents in other states. This is good but there are ways to find less inexpensive car insurance in Florida.
Under state law, Florida requires a minimum coverage of $10,000 in Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). The PIP coverage will compensate and cover any loss as a result of an injury regardless of which person is determined to have been at fault for the accident. This will cover an injury to any other driver who is licensed in Florida that you have provided permission to drive your car and yourself. This will also cover you if you were hit by a car as a pedestrian, riding a bicycle, running, or walking. Therefore, in the simplest terms possible, PIP necessary and reasonable medical expenses for you and any of your passengers. This is required and there are no exemptions.
Florida is also considered a no fault state. This means that regardless who caused the accident, your insurance company will make payments if you're injured. You policy will determine the amount that is paid.
When you are shopping for inexpensive car insurance in Florida, there are some basic requirements that you should know about that will to help keep your rates and the price of your insurance policy low.
You are required to at least have liability coverage in Florida. This liability coverage will cover you for any damage occurred regardless of it is to property or persons. It will also cover medical bills as a result of any medical issue such as bodily injury that was incurred as a result of the accident. You should consider increasing the amount of your liability coverage, although the minimum coverage might be sufficient for you. Increased liability coverage can be useful if you're brought to court or are sued. Having increased liability coverage will better protect your assets.
In order to find the least expensive car insurance, you might have to meet some of the following requirements.
Getting the least expensive car insurance in Florida is very dependent on your clean driving record. Therefore, if you have any moving violation, a DUI, a history of accidents, or tickets for speeding, you probably won't be eligible for inexpensive car insurance in Florida. Usually, the drivers who have clean driving records will pay approximately half of what those who have poor driving records will have to pay.
A good way to reduce the cost of your car insurance in Florida is to take a defensive driving course. If you can provide proof that you have attended and completed a safe driving course such as a defensive driving course, nearly all the insurance companies in Florida will give you some sort of discount.
There are some Florida insurance companies that will give you a discount if you have items such as safety devices installed in your car including car tracking systems, air bags, and car alarms. Even items such as extra air bags or anti lock brakes will help to lower your insurance premium.
Some insurance companies will also give a discount to young adults who are students that have good grades. It's a little less common but worth looking into.
Inexpensive Florida car insurance is much easier to get if you meet some of the above requirements. Don't forget that there are numerous Florida car insurance companies that are competing for your business. You simply have to shop around, get quotes, and provide the insurance companies with information as to why you should receive a lower rate.
Under state law, Florida requires a minimum coverage of $10,000 in Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). The PIP coverage will compensate and cover any loss as a result of an injury regardless of which person is determined to have been at fault for the accident. This will cover an injury to any other driver who is licensed in Florida that you have provided permission to drive your car and yourself. This will also cover you if you were hit by a car as a pedestrian, riding a bicycle, running, or walking. Therefore, in the simplest terms possible, PIP necessary and reasonable medical expenses for you and any of your passengers. This is required and there are no exemptions.
Florida is also considered a no fault state. This means that regardless who caused the accident, your insurance company will make payments if you're injured. You policy will determine the amount that is paid.
When you are shopping for inexpensive car insurance in Florida, there are some basic requirements that you should know about that will to help keep your rates and the price of your insurance policy low.
You are required to at least have liability coverage in Florida. This liability coverage will cover you for any damage occurred regardless of it is to property or persons. It will also cover medical bills as a result of any medical issue such as bodily injury that was incurred as a result of the accident. You should consider increasing the amount of your liability coverage, although the minimum coverage might be sufficient for you. Increased liability coverage can be useful if you're brought to court or are sued. Having increased liability coverage will better protect your assets.
In order to find the least expensive car insurance, you might have to meet some of the following requirements.
Getting the least expensive car insurance in Florida is very dependent on your clean driving record. Therefore, if you have any moving violation, a DUI, a history of accidents, or tickets for speeding, you probably won't be eligible for inexpensive car insurance in Florida. Usually, the drivers who have clean driving records will pay approximately half of what those who have poor driving records will have to pay.
A good way to reduce the cost of your car insurance in Florida is to take a defensive driving course. If you can provide proof that you have attended and completed a safe driving course such as a defensive driving course, nearly all the insurance companies in Florida will give you some sort of discount.
There are some Florida insurance companies that will give you a discount if you have items such as safety devices installed in your car including car tracking systems, air bags, and car alarms. Even items such as extra air bags or anti lock brakes will help to lower your insurance premium.
Some insurance companies will also give a discount to young adults who are students that have good grades. It's a little less common but worth looking into.
Inexpensive Florida car insurance is much easier to get if you meet some of the above requirements. Don't forget that there are numerous Florida car insurance companies that are competing for your business. You simply have to shop around, get quotes, and provide the insurance companies with information as to why you should receive a lower rate.
Source: By Harlan Ramos,About the Author:
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