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Low Cost Florida Car Insurance Quote

Finding a low cost Florida car insurance quote is relatively easy if you know what you’re looking for.  If you don’t know what you’re looking for, you’re in the right place.  You’ll learn the state minimum requirements for having car insurance which will save you money and give you low cost car insurance quotes in Florida in the event of an accident.  You’ll also learn how to save money and find the cheapest FL car insurance quote possible.

Know The Law For Low Cost Florida Car Insurance Quotes

All states have minimum requirements for car insurance owners to meet and Florida is no exception.  Here are the minimum state insurance requirements for the state of Florida:

Florida is a “no fault” state, meaning that your insurance company will make payments for claims regardless of fault, up to a limit.  In addition to this, Florida requires that all drivers carry Personal Injury Protection (PIP).  PIP helps pay for necessary medical expenses for your and your passengers.  All Florida drivers must have a minimum of $10,000 of PIP protection.

Florida does NOT require uninsured/underinsured motorist coverage to cover bodily injury caused by a drive with no insurance or too little insurance.  Because Florida does not require this form of coverage, you’ll be able to find low cost Florida car insurance quotes easier.  However, this doesn’t mean that you shouldn’t purchase this protection.  It will save you money in the long run if you’re in an accident involving a motorist with no insurance.

In addition to PIP coverage, Florida also makes it mandatory to have Property Damage Liability coverage (PD) with a minimum of $10,000 of coverage.

Saving Money On Low Cost Florida Car Insurance Quotes

Now that you know the state requirements for Florida drivers, you can learn how to save money and find the lowest cost Florida car insurance quotes.

  1. Shop Around:  The average auto insurance premium in Florida in 2003 was $1,104; the national average was $914.  It is important to remember that all companies charge different rates for different amounts of coverage.  That’s why it is so important to shop around and really explore all of your options.
  2. Changing Rates:  It is also important to remember that rates can change from year to year.  In order to save money and find the most affordable car insurance quotes in Florida, you’ve got to think about changing insurance companies if you find that your rates are going up.  One company may have higher rates than another.
  3. Credit Score:  Believe it or not, your credit score can affect how high or low your Florida car insurance quotes are.  Essentially, your credit score shows companies how high of a risk you are.  The lower the credit, the higher the risk for an accident.  It’s important to keep your credit score high, so make sure you pay everything on time.
  4. Choose Coverage Wisely:  It is important to understand that not all cars need the same amount of insurance.  If you have an older car, it will be cheaper to insure because you might not need the comprehensive insurance that a newer car is required to have.  The newer the car is, especially if it is financed, the more expensive it will be to insure because it needs more coverage.
  5. Driving Record:  When shopping around for your low cost Florida car insurance quotes, you’ll be asked for your driver’s license number.  This gives insurance companies the ability to look at your driving record and determine whether or not you’re a good or bad risk.  

If you have a less than perfect driving record it can make it more difficult to get car insurance.  Some companies might not want to insure you at all while others will insure you, but charge you more money.  If you want to save money on your Florida car insurance quotes, really work to improve your driving record.  Slow down and be aware of all things on the road.

Get Started Finding A Low Cost Florida Auto Insurance Quote Now!

Now that you’ve learned the minimum requirements for Florida car insurance and ways to save yourself money on your quotes, get started finding a low cost Florida car insurance quote now!

All you have to do is plug in your information into our free tool to compare quotes from multiple insurance companies.  It’s that easy!   

Get started comparing Florida auto insurance quotes now!

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