Best and Cheapest Auto Insurance in Florida
Finding the Right Coverage for You
When it comes to auto insurance, Florida drivers have plenty of options. But, with so many companies and policies to choose from, finding the right coverage for you can be overwhelming. Here, we’ll cover the basics of auto insurance in Florida and provide some guidance on how to find the best and cheapest auto insurance in the state.
Florida’s Auto Insurance Requirements
In Florida, all drivers must have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage. This coverage pays for medical costs and property damage resulting from an auto accident. PIP covers the policyholder, passengers, and any pedestrians involved in the accident. PDL covers the policyholder’s liability for damage to another person’s property.
Finding Cheap Auto Insurance in Florida
The best way to find cheap auto insurance in Florida is to shop around. Get quotes from at least three different companies and compare coverage, premiums, and discounts. You should also look out for policy add-ons that can add value to your policy. These can include roadside assistance, rental car reimbursement, and gap coverage, which pays the difference between what you owe on your car and what your insurance pays out if your car is totaled.
Factors That Affect Your Auto Insurance Premiums
When shopping for auto insurance in Florida, it’s important to understand the factors that affect your premiums. Insurance companies use various criteria to determine the cost of your policy. Your driving record, age, gender, credit score, and vehicle type are all taken into account. The more risk you pose, the more you’ll pay for coverage.
Getting the Most Out of Your Policy
When looking for the best and cheapest auto insurance in Florida, it’s important to remember that the lowest premium isn’t necessarily the best deal. Make sure you’re getting the coverage you need and that you understand the terms of your policy. If you have any questions, don’t hesitate to contact your insurance company or an independent agent.