subject: What You Should Know About Florida Vehicle Insurance [print this page] What You Should Know About Florida Vehicle Insurance
If you have just gotten a driver's license or have moved to Florida from another state, then it is important to familiarize yourself with Florida vehicle insurance laws. While all states require that you purchase vehicle insurance, the exact minimum insurance required by law varies from state to state. How much your vehicle insurance costs depends on what type of policy you take out, how high a deductible you are willing to pay, how old you are, and what type of driving record you have.
While you can phone a number of vehicle insurance companies in Florida to see which company will give you the best deal, it is also important to be aware that the above mentioned factors play a large role in how much your vehicle insurance will cost. If you are a new driver, you can expect to pay a lot for vehicle insurance, no matter what company you take out an insurance policy from. Once you have driven well over a period of time and have proven yourself to be a cautious, safe driver, your insurance costs will go down. On the other hand, if you cause an accident, the insurance costs are likely to go up significantly. Age is also a factor in the equation, as many young drivers have a reputation for being less cautious in their driving.
You can find Florida insurance companies either by looking through the yellow pages or by doing an internet search. If you do an internet search, you can also, in some cases, see reviews posted online by people who have purchased an insurance policy at a particular company. These reviews can help you to gauge whether or not a particular insurance company is the one you want to take out a policy from.
You should be aware of what your options are regarding Florida vehicle insurance. There are a number of policies that are not required by law but that can save you and your family great expense in the future. For instance, uninsured or under-insured motorist coverage is not required by Florida law; however, if you are hit by a driver who is not insured or is under-insured, then having this sort of policy will cover not only your hospital bill, but also the medical bills of anyone else you were driving at the time. This policy can also cover your medical bills should you be hit in a hit and run accident.
Having comprehensive coverage may also be advisable if you drive a new or expensive model of car. Comprehensive coverage covers theft or vandalism to your car. How much money you will receive depends on how much of a deductible you are willing to pay. The more you pay, the more money you will get back should your vehicle be vandalized or stolen. This particular insurance policy may not be worth taking out if your car is old or not particularly valuable.
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