Automobile insurance Quick Florida Car Quotes laws may seem like a jumble of enigmas wrapped up in a riddle. Florida doesn’t mandate bodily injury coverage, unlike many other states. In Florida, personal injury protection (PIP), as well as property damage liability coverage (PDL), are required. PIP protects you by covering your medical bills, regardless of whether the accident was caused by someone else. This no-fault policy is intended to speed up the claims process, but leaves many drivers puzzled.
The minimum amount of PIP insurance is $10,000. This may sound like a lot, until you realize just how quickly medical expenses can add up. PDL has a $10,000 minimum requirement, but consider that even a minor accident can exceed this amount. Like trying to plug up a dam by chewing gum, sometimes you need more.
Why does Florida keep to its own tune? Uninsured driving is a major factor in the state. One-fourth of Floridians travel without insurance. This system is meant to keep the courts from being overloaded with minor accident lawsuits. It can feel like a tightrope walk for some drivers.
The best quotes are not always found by clicking the first ad you see online. The process is similar to that of finding the perfect pair or jeans. You might need to try on a few before you settle on “the right one.” Compare at least three quotes. Variety is what makes life interesting! You should not just focus on price. Also, customer service and claims handling are important.
You shouldn’t hesitate to ask questions, or bargain with the salesperson for a discount. Have you taken a defensive driver’s course? It could help you save some money. Bundling both your home and auto insurance can also unlock additional savings.
Consider raising your deductible, if you have the cash for an emergency and are confident of your driving ability. You’ll pay less per month if you choose a higher monthly deductible. But, if you have an accident, it will cost more.
Brace yourself, if you’re a parent with teen drivers. Young drivers are notorious for being expensive to insure due to their lack experience behind the steering wheel. Also, let’s admit it: Their tendency for risky behaviour doesn’t help either. Many insurance companies will give discounts to students that excel in school.
Floridians face Mother Nature’s wrath as well during hurricane seasons, and this may have an effect on your rate depending on where in the Sunshine State you reside. Because of the cost of waterfront views, coastal areas tend to be more expensive.
The best way to get the best price and coverage is to shop around annually. Insurance companies often adjust their rates based on factors like regional statistics, as well as economic trends that impact the industry.
It’s time to conclude… but there isn’t one! But, hey, hopefully this article has helped you navigate these murky waters with the necessary knowledge and confidence so that you can make informed decisions while enjoying Sunshine State.