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The internet has become the easiest way to save on Florida auto insurance nowdays due to a change in technology and the fact that you can compare so many quotes online enabling you to ultimately get the best rates. With that in mind, there are many things you need to look at when comparing online quotes including the different companies, some of the frequently asked questions, and what the requirements are in the state of Florida. If you choose to take your time and shop online with the following advice, you will most deffinately be able to save hundreds on your car insurance by using our free service.
The first step is to start by figuring out what it is you really need out of your auto insurance. By browsing through our learning center you will be able to find quite a bit of information to help you with the decision you are currently trying to make. We have plenty of information available for you to make the right choice on your next insurance policy!
Below you can get started by understanding the different requirements in state of Florida, get introduced to a bit of what you are looking for in a company, and also find the answers to some of the questions you have.
Requirements for Florida Auto Insurance
In the state of Florida you will be required to carry at least a minimum coverage for your vehicle. These requirements are not nearly as severe as many other states in the country. You are only required to carry a minimum of $10,000 for bodily injury/death to one person. This is known as (PIP) Personal Injury Protection. You need $20,000 for injury or death to more than one person, and $10,000 for property damage coverage. This is much less than some other states requiring over three times as much.
The state of Florida is also a no fault state, so it is wise to talk to an agent before purchasing the policy to make sure you have the correct insurance policy that will cover you best. With Florida being a no fault state, the rates can be very expensive and using a service like ours is more important then ever in order to get the best rates.
Keep in mind these are only the minimum requirements to actually drive a vehicle in the state of Florida. If you finance a vehicle there are many other types of coverage you may need past the minimum requirements. You will most likely have to get full coverage along with gap coverage to protect the vehicle if you are in an accident. Plus the gap insurance will pay off the vehicle and you will not be responsible for the amount you still owe if your vehicle is totaled.
Companies for Florida Auto Insurance
You have the choice between many companies in Florida for your insurance needs. There are even some on a national level that can provide you with the proper coverage in the state of Florida. You just need to make sure you understand how to find the right company for your needs. Here are three things to help you.
1. Look Locally and Nationally
Getting the right company for your needs could be found on a national level or a local level. Some prefer to have an agent right in their area to help them with any claims or questions you may have. On the other hand you can usually get cheaper rates from a national provider that can work in your area.
2. Choose the right Coverage
Since the minimums in Florida are so low you may want to choose to add more coverage to your policy. This can help you get the needed coverage if you are in an accident and injured. You can also use this coverage to help protect your possessions and even your residences if this is necessary.
3. Get Multiple Quotes
Frequently Ask Questions:
What is the most necessary thing when looking for an insurance company
A: Customer service comes first whenever you are looking for insurance in any state. If you don’t have a company with good customer service you could be left out in the rain when you are in an accident. Price is also important, but it can be beneficial to pay a little more to get a company with the right service.
B: It is vitally necessary to get more than one quote in order to find the best rates and policy to match your needs. You have to make sure you are getting the best possible deal along with the right coverage. Look at the customer service, the reputation of the company, and the entire package of your coverage. It is not always just about price with auto insurance.
Can I pay my premium in one annual payment?
Yes. With most companies you will have the option to pay an annual payment all at once or one of the many other payment options. This may include a semi-annual payment plan, a quarterly plan, or a monthly plan. However, it is recommended that you only take out a 6 month policy at a time to ensure more accurate rates.
When are you allowed to review your insurance coverage?
You can review your insurance coverage at any time. There are no laws or regulations in the state of Florida saying you cannot. If you feel you need to make changes due to getting married, a new vehicle, or any other reasons, then you can do this whenever it is necessary. You should review your coverage at least once every 6 months to make sure you are getting what you need and everything is correct.
When does a deductible have to be paid?
If you are in an accident you will have to pay a deductible to get your vehicle fixed. This is also true if you are responsible for the damages to another vehicle. This is usually paid directly to the repair facility when the work is completed on the vehicles that were involved in the accident.
Use the above information to help choose the right company and coverage to meet your insurance needs. If you need more information about insurance in Florida you can browse this website to find exactly what you are after. There are many companies to choose from and many different situations. Make sure you choose the one that is right for you.
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Take advantage of our free service and start getting those Florida auto insurance quotes rollling into your email box now! It only takes a few minutes to apply for online quotes and we will connect you with the best options that Florida has to offer.
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