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If you’re searching online for a stress-free place to find Florida car insurance quotes, look no further. With Onlineautoinsurance.com, it’s a breeze to compare low cost, quality insurance coverage in just a few clicks. Once you fill in a little information about yourself, you can get free quotes from multiple car insurance companies. Take the time to find out which insurance company is right for you.

There’s a lot to see and do in Florida. Miles of beautiful beaches, three national forests, and over 700 freshwater springs attract lots of visitors each year without the help of any theme parks. Unfortunately, if you live in Florida, you pay some of the highest premiums in the country, with only three other states seeing higher rates. Some drivers pay over two grand for their coverage. If that sounds like too much to pay for coverage, then we’re here to help.

If you do your research, you can still find a good deal on car insurance in Florida. Whether you are looking for full coverage or liability coverage, compare premiums instantly and easily from top companies such as Drive from Progressive, AIG, Unitrin, and more. By comparing the deductibles, maximum limits, and coverage available, you can be sure you get the protection you need at a price that’s right for you.

Required coverage in Florida

To register motor vehicles with four or more wheels, they must be insured by a company licensed by the Florida Department of Insurance. Failure to provide proof of insurance on your vehicle can result in suspended driving privileges and/or having a car’s tags and registration suspended for up to three years or until proof of insurance is presented. Additionally, you may be fined anywhere from $150 up to $500. That’s why OnlineAutoInsurance.com is here to assist Floridians with their coverage needs and to help you find cheap car insurance rates.

Florida’s state laws require that motorists maintain at least the following minimum insurance coverage:

  • $10,000 personal injury protection: Also known as no-fault insurance, this pays the medical expenses of an injury to you or one of your family members riding in your vehicle. In Florida, you are not required to carry bodily injury protection. Instead, drivers carry insurance to protect themselves. It even applies when you’re riding in someone else’s car, or when your children are riding with someone else. No matter the circumstances, your personal injury protection will cover you if you’re injured in a crash - even if you’re walking.
  • $10,000 property damage liability: If you damage someone else’s car, fence, or house with your vehicle, your property damage coverage will pay for it, up the maximum limit, once you meet the deductible. You are still financially responsible for any damages beyond your coverage.

With such low minimum limits, you wouldn’t be covered for a serious accident. If you can’t afford any big expenses, you should explore options with more coverage. These policies don’t include your vehicle. If you damage your car in a collision that’s your fault, you need to keep it covered if you can’t afford the cost to repair or replace it. So what would happen if you got into a crash with only the level of coverage above?

What happens after an accident

If you’re in a minor collision, the first thing you need to do is clear the roadway, so you’re not blocking traffic. Every accident that has more than $500 worth of apparent damages, either to property or in injuries, needs to be reported to the local police. And any accident should be immediately reported to your insurance company. Florida uses a comparative fault system when it comes to property damage claims. A police officer will determine who is at fault, and that driver’s insurance company will pay damages to the other vehicle.

If the other driver is uninsured or if it’s a hit-and-run, your minimum liability insurance policy won’t pay for any repairs. And anything over the stated limits on the coverages that do come into play will also have to come out of your pocket.

Because Florida uses a no-fault system, in the event of an injury, your own insurance will pay for medical bills and lost wages. Only qualifying injuries can seek restitution from the other driver. The case will have to be settled in court, and a jury will decide whether or not the other driver needs to payout. If you sue another driver, the jury may find you partially responsible for the accident.

This is also known as comparative negligence, and whatever percentage the other driver is found at fault for will be the maximum percent of damages they need to pay. If you don’t have the proper coverage on your insurance, all of these damages will be coming out of your pocket. Failure to uphold your financial responsibility can come with severe punishments that will make driving legally and finding an insurance policy very difficult.

Additional protection

Bodily Injury Liability: Pays for severe and permanent injury or death to others in an at-fault accident. The maximum limits are broken up into two sections—the maximum payout per person and the maximum payout per accident. So if you’re responsible for an accident and the other driver has injuries in excess of your per person maximum, you pay the rest. This applies even if your per accident maximum is more than the person’s injuries.

If you’ve received a DUI, you will be required to carry this policy for three years after your driving privileges are returned. Because the minimum limits are $100,000 per person and $300,000 per accident, it will be expensive.

Uninsured and Underinsured Motorist Protection: Pays the costs of damages to your car and injuries you sustain from a motorist who either doesn’t have insurance or doesn’t have enough to pay for the damages they caused. While this isn’t a requirement, it’s worth considering. How long are you willing to wait for someone who doesn’t have the money to pay your bills? Can you afford a major repair after a car accident?

Even if you already have personal injury protection and collision insurance, underinsured motorist coverage can be combined with them if the other driver doesn’t have insurance. It’s often cheaper to add this policy than it is to raise the limits on other policies. Think about this option when comparing rates.

Full Coverage (Collision and Comprehensive): If you lease your vehicle, or you’re still paying it off, you will be required to carry these two insurance policies. Collision insurance pays for damages to your vehicle in an accident you are responsible for. It can also cover additional damages the other driver isn’t able to pay if you’re not at fault. It will even cover the cost of towing your car to the shop and the price of a rental while you wait for repairs.

Comprehensive covers damages that happen outside of your control, like damages from storms, fires, or floods. Damaging your car in a collision with an animal and vandalism will also be covered. It will also pay to replace your vehicle if it’s stolen.

Factors that determine your insurance premiums

Your car insurance rates are determined differently by various insurance companies. All of them use the same factors, but they will weigh them differently depending on the model they’re employing. In general, the riskier you are, the more you will pay.

Every car insurance company will look at your age, driving history, the number of insurance claims you’ve made, and your credit score. The kind of vehicle you drive, how much you drive it, and the address it’s registered to will also have a major impact. Because there are more accidents in the city, coverage is much more expensive. In neighborhoods with more crime and theft, the cost of full coverage can rise significantly.

Your premiums are subject to change, even in the middle of a policy period. If you get married or buy a house, they’ll usually drop. On the other hand, insurance claims usually increase your car insurance rates. Some companies offer accident forgiveness for qualifying customers, which can add a lot of value to the price tag of a policy.

How can you save money?

Most insurance companies offer discounts as incentives to preferred customer types. They may also use it as a way to sell more policies. If you have more several motor vehicles in need of insurance, you can get a multi-car discount. You may be able to bundle up with life insurance and homeowner’s or renter’s insurance as well to save money across the board.

The number one way to cut costs on car insurance is safe driving. Avoid car accidents and don’t get citations. Taking a defensive driving course will lower your rates whether or not you’ve got any incidents on your driving record, and you can take them again every three years to keep the discount.

Cutting certain types of coverage can save you money. If you already have roadside assistance from your credit card or AAA, there’s no need to pay for it again. If your car is only worth a few thousand dollars, collision and comprehensive probably isn’t worth it to you unless you absolutely can’t afford to replace your vehicle.

But minimum coverage might not be the right answer either! Your old car can still do a lot of damage to another vehicle, and you can still rack up medical expenses that won’t be covered without bodily injury protection. Don’t skimp on car insurance coverage if it means getting into an accident might throw you into debt.

The bottom line

Florida residents don’t have to give up on finding cheap car insurance. Even if you’re already covered, changing car insurance can save you money, especially if you’ve improved your credit score and driving history since you signed up for your current company.

First, decide the level of coverage you need, then take the time to compare car insurance quotes from as many companies as you can. The extra effort can save you hundreds of dollars a year, without sacrificing any quality. Once you find the policy that’s right for you, you can sign up from home.

OnlineAutoInsurance.com provides articles on how to compare Florida auto insurance rates from multiple companies with a straightforward process. For more information on Florida car insurance laws, visit the Florida Department of Insurance. Get started today!