subject: How To Find Cheap Florida Auto Insurance [print this page] If you live in the sunshine state, you know how important auto insurance is. With so many drivers on the road, there's an accident around every corner. Plus many cities have a problem with auto theft. Not only does this make it crucial to have insurance, but it can also make insurance rates higher than in other places. That's why when you're looking for cheapest auto insurance in Florida, you'll have to do some work on the lowest rates. But don't worry, it's easy if you follow a few tips.
Where To Get Insurance In Florida
There are many auto insurance companies doing business in Florida. National companies like Progressive and Geico are good choices for many, Direct General does a good business in Florida, and there are other options for some people, like USAA auto insurance. There are also many state and local insurance companies that offer low-cost car insurance in Florida. If you're in Miami, you might check out the United Automobile Insurance Group. Hugh Cotton insurance has been serving the Orlando area since 1948. In Jacksonville, Brightway Insurance offers auto, home, and commercial insurance. Local providers like these can offer many people better rates, especially if you're finding it hard to get insurance from the bigger companies. You can find out about these companies and many more that operate in Florida by checking out the yellow pages, your local chamber of commerce, or searching online.
Before getting insurance, you need to know what type of auto insurance you need. The simplest type, liability insurance, pays for damage to cars and access the cost. Florida law mandates that you have a liability policy of at least $10,000. However, liability insurance doesn't pay for damage to your car. Liability coverage is mandated for all drivers in the US, but since it doesn't pay for most of the cost of accidents, many drivers out for more coverage.
Comprehensive Auto Insurance
To pay for the cost of damage to your car, the cost of repairs, medical bills, property damage, and test, you need a more comprehensive policy. Especially in larger cities, the chance of theft or an accident is high. Miami has one of the top ten car theft rates in the US. That makes Florida auto insurance policies with collision coverage and theft coverage more attractive. These plans cost a little bit more than simple liability insurance, but the cost of fixing your car can be thousands of dollars. Not to mention if your car is stolen.
The minimum limit set by Florida's No Fault Law (for personal injury and property damage) is $10,000. You're expected (by the Financial Responsibility Law) to have $20,000 for person injury that involves one than one person and $10,000 if it's just a person. This is in addition to a $10,000 minimum limit for damage to another person's property.
Now that we have made sure everyone understands what we are expected to do by law, how do we lower our car insurance costs? You have to get as many quotes as you can from different insurance companies. This should have been a nightmare but has been made quick and very easy by insurance quotes sites.
To get cheaper rates on your car insurance policy, be sure to maintain a clean driving record. Your driving record is very important to the insurance company, since this is a measure of your risk. If you have few tickets, speeding fines, and other traffic violations, the insurance company will think that you're a smaller risk and give you lower rates. Another helpful thing can be to get a higher deductible. This means that you have to pay more before the insurance company starts to play when you use your insurance. As a benefit, if you lower monthly premium. Choosing a plan with a higher deductible can really help you get low-cost auto insurance Florida.
by: Karisma Sand
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