If you live in the Sunshine State, you know that getting low cost car insurance in Florida can be a challenge. To find the best deal on auto coverage, you need to compare rates from multiple companies. Luckily, you have found the right place. Just enter your zip code above and you will be instantly connected to the best discount insurance companies in your area and you will be able to instantly compare rates.
Any car that remains within Florida is required to obtain auto insurance to meet the state’s minimum standards. state The Department of Highway Safety and Motor Vehicles (DHSMV) regulates car insurance in Florida and keeps a database of all registered cars and drivers in the state. Car insurance companies provide up to the minute information to the department, including failure to renew a policy. If you want to maintain low cost car insurance in Florida, you definitely do not want your coverage to lapse, even for a short period.
Florida requires automobile owners to carry insurance that provides coverage for at least $10,000 per person for bodily injury liability, $20,000 for bodily injury to two or more victims and $10,000 in property damage liability.
There are other coverage options that, while not required, you may want to consider. For example, collision coverage will pay for damages to your car, regardless of who was at fault. Comprehensive coverage reimburses you for damage to your car by causes other than a collision, such as theft or vandalism. However if you want to get low cost car insurance in Florida, these extra options will cost you more money. SO you have to weigh the benefit of having extra coverage vs. the ongoing cost of a more expensive policy.
In general, residents enjoy low cost car insurance in Florida, especially when compared to the rest of the nation. The average insurance premium in Florida is $1,700 a year. This compares favorably with the national average, which is $1,794. However, car insurance rates in Florida have gone up this year and premiums are now 7% higher than in 2008.
With rates going up, it’s never been a better time to compare policies and save money. With dozens of auto insurers in Florida competing for your business, comparing rates from even a handful is still only just a start. Be a smart shopper and start saving today by entering your zip in the form at the top of the page.