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Florida Car Insurance Online Quote

The value of getting a Florida car insurance online quote, or 2 or 3 of them, is that this simple step can save you a lot of money.  Don’t buy any car insurance in FL before you shop around, look for a lower rate on the coverage, and get several companies to give you their best quote.  A little time, effort and research can save you a lot of money.

The best place to start looking for a quote on your Florida car insurance is online.  Starting your search online for Florida car insurance can give you a good idea on the cost of the insurance you are required to carry under state law as well as the cost of the insurance you want to cover before sitting down with an agent to finalize everything.

Use our free Florida auto insurance quote comparison tool at the top of the page to enter your info in just once and then view quotes from top insurers online.

Laws That Impact Your Florida Car Insurance Online Quote 

  • Any car that has been in the state longer than 90 days, even if they are not consecutive, is required to be insured.
  • All Florida residents are required to carry no fault insurance that includes $10,000 for personal injury and $10,000 for property damage.  Failure to carry no fault car insurance will not only result in suspension of your license, tags and registration for up to three years, but you will have to pay an additional fine to get them reinstated.
    • Other minimum coverage of $10,000 for injury of one person, $20,000 for injury of two or more persons.
    •  $10,000 for property damage is required for anyone who:
      • has previously been at fault in an traffic accident,
      • drivers with a history of license suspension for having too many points on their license,
      • are habitual traffic offenders or have been in charged with a driving under the influence that resulted in license suspension.

Those who are required to carry additional minimum coverage who fail to do so will also end up having their tags, registration and license suspended for up to three years.

Keep in mind when considering points on your driving record, not only do moving violation and accidents count against you in the state of Florida but so do points accumulated for having a vehicle in an unsafe condition, violation of child restraint laws, having an open container in the vehicle (doesn’t matter if it is yours or not) and littering.

Look Beyond Required Minimums In A Florida Auto Insurance Online Quote

These are only minimum requirements.  You may want to insure your car for more than this by adding comprehensive coverage to cover damages caused by vandalism, theft, fire and weather as well as collision coverage in case of an accident where you hit a phone pole or tree.  (Trees are well known for randomly jumping out at people!)

Carrying minimum insurance does not guarantee protection in the event of an accident.  Any costs over what the insurance company covers is still your responsibility and can cause financial ruin quickly.

If you have recently purchased a new car you will want to carry additional coverage to protect yourself.  Getting hit by someone without insurance or not enough insurance can be costly to you and there is no guarantee that your vehicle will be replaced.  Additionally if you are leasing your car, your leasing agent will want you to carry more than minimum insurance and will have specific requirements. 

Ways To Get A Low Florida Car Insurance Online Quote

  1. Take a voluntary driving class for defensive driving.  Taking a defensive driving class after being cited for a driving offense can also prevent points for being put onto your license, driving your rates up.
  2. Student driver discounts are available for teenagers who maintain a B average or better in school or who have taken a state approved driver’s education class.
  3. You will also want to add your teenager to your policy instead of getting them their own.  Any discounts that you already have on your policy will apply to them as well.
  4. The type of car that you drive will increase your premium.  Sports cars, cars that cost more to repair and cars that are on the mostly likely to be stolen list cost more to insure.
  5. Put all of your cars on the same policy.  Discounts are available for multi-vehicle policies.
  6. Where you live can increase your premium.  Those who live in urban areas will pay more in premiums than those living in rural areas.
  7. Drivers over the age of 55 can receive a discount on your car insurance after taking an accident prevention course.
  8. Your credit report can have an effect on your rates.  The lower the credit score, the higher your rates will be.
  9. If you are driving an older vehicle drop your collision or comprehensive insurance.  What you end up paying for these protections can add up to more than the car is worth over time.
  10. Make sure you maintain insurance at all times.  Failure to do so will increase your rates.
  11. If you can carry different policies with the same insurance company.  Many times you can get a discount for having your car insurance policy through the same company as your homeowner’s policy.
  12. Installing anti-theft and GPS systems can help lower your policy.
  13. Raise your deductible.  Just don’t make it so high that you can’t afford it in the event of an accident.
  14. If you have comprehensive insurance, try not file claims for everything.  Each claim you file will add to your premium.  In the long run it will be cheaper for you to cover the replacement of a windshield from damage due to a flying rock off a dump truck than filing a claim with your insurance company.
  15. Purchase auto and home insurance from the same insurance company for a potential discount. 

Companies Offering Florida Auto Insurance Online Quotes

  1. Geico
  2. Progressive
  3. AIG Auto Insurance
  4. Esurance
  5. Allstate Insurance
  6. Farmers Insurance
  7. Hugh Cotton
  8. State Farm Insurance
  9. Travelers Insurance
  10. Unitrin Direct 

Get A Florida Car Insurance Online Quote Comparison Now!

You can easily use our free tool at the top of the page to get a Florida car insurance online quote from many different insurance companies and then compare them for the best rate.  Get started finding Florida car insurance now!

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