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Florida Auto Insurance – What You Need To Know

Florida has its own rules and regulations concerning auto insurance. If you intend to live in Florida or even just stay for the winter, this brief article introduces you to the basics of Florida auto insurance.

All states in the US have their own rules and regulations concerning auto insurance and Florida is no exception.

If you register a vehicle in Florida, then auto insurance is mandatory. The minimum requirements are $10,000 coverage for property damage liability and a further $10,000 coverage for personal injury protection. These amounts can of course be increased with a corresponding rise in premiums. Even if your vehicle is kept off the road for an extended period you must have a Florida policy unless you surrender your Florida registration.

In addition your insurance policy must be delivered by an insurance company or agent licensed by the Florida Department of Insurance.

Even if you live outside of Florida, if you use a vehicle in Florida for more than 90 days within a year then you must have a Florida insurance policy. If you move to Florida on a permanent basis then you have to have a Florida policy. The policy you hold that was issued in the state you are moving from cannot be transferred. This is normally not a problem as most reputable insurance companies operate country wide and can therefore issue a Florida policy

Property damage liability coverage is designed to pay for any damage to other people’s property caused by you or a member of your family.

Likewise, personal injury protection pays for injuries to other people as a result of an accident caused by either you or a member of your family. Vehicles used for public transport (such as taxis) must carry Bodily Injury Liability coverage of $125,000 per person, $250,000 per occurrence and $50,000 for property damage liability coverage.

These are the minimum requirements in Florida and, to be honest, not very realistic in today’s world. Many insurance advisers would suggest that these figures are doubled and coverage extended to pay for your legal costs should you be sued.

Auto Insurance Law Guide
To get the low down on auto insurance laws visit

To compare auto insurance quotes in Florida from the Major companies, just enter your zip code in the box above this page.

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Florida residents do you really think entering all your valuable personal information online for an auto insurance quote is really the safe way to obtain auto insurance?
A local personalized auto insurance agent who you can pick up the phone and call or stop by their office sounds so much safer and personal.

To compare auto insurance quotes in Florida from the Major companies, just enter your zip code in the box above this page.

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Shop Around

Is important that you shop around and compare auto insurance rates from
different companies before making a decision, each company will give you a
different rates based on your personal record and type of vehicle. Many of
the factors that determine the price of insurance are out of your control,
but there are some factors that you can control.

Keep you Insurance Rates Down

Here are some tips to get lower or affordable rates:

- Drive a cheap vehicle that has not too much value, if the cost of repair
is too high the insurance company will raise your rates, otherwise it will
lower your rates.

- Avoid sports cars and brand new luxury cars, they are expensive to
insure.

- Have a good driving record, if you dont have speeding tickets and claims
your insurance cost will be lower.

- Keep a good credit history, insurance companies like it.

- Use the necessary coverage depending on the car, its value and how old
it is. It may not be worth to get comprehensive and collision coverage for
a very old car that has little value.

Here are some other ways to get a discount:

- If you have multiple cars, insure them with the same company to get a
discount.

- Keep your vehicle mileage below 10,000 miles

- Install safety devices on your car, like anti lock theft and air bags.

- Take a driving course

- Drive safely and avoid getting in to accidents

- If you are under 25 years old, get in to your parents policy to save
money.

All those things will help you to keep your rates down in Florida, you
should ask for you insurance agent for additional discounts. Shop around
and compare rates online, is very easy to get quotes online, you just have
to provide some personal and vehicle details to get a quote.

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Florida Auto Insurance Laws and Regulations

It is illegal to drive in Florida without the required coverage. Be sure to always have a proper policy in place to protect yourself as well as others.

The Sunshine state requires its motorists to have two types of coverage while the vehicle has a valid tag or registration. The first of which is $10,000 for personal injury protection (PIP). This covers the insured in the event that they suffer bodily injury as a result of a traffic accident. Secondly is $10,000 for property damage liability. This covers the damages done to another party’s property caused by the policyholder. These limits are the minimum but are relatively low compared to the costs of medical care and vehicle repair or replacement.

For instance, if one were to be hospitalized after an accident they can easily use up the $10,000 limit on their policy and would be help accountable for the remaining balance. This can also apply if they cause a collision and were to strike and damage or “total” a luxury or high end vehicle. It may be wise to consider raising the limits in order to protect from financial hardship later on down the road. The extra couple of bucks a month will prove to be worth it in the event of one of these unfortunate events.

There is also a coverage which should be considered called Bodily Injury Liability (BIL). This compensates for serious and permanent injuries or deaths to others when be held liable for an automobile accident. The insurer will pay for injuries up to the policy limit chosen. In the event that you are sued, this can also provide legal representation. This covers the injuries caused by the policyholder as well as relatives which reside with them even if they were driving a borrowed vehicle. If you lent out your automobile, it may even cover the person who was lent the vehicle. This is a very beneficial type of coverage to have.

The above mentioned policies do not cover the vehicles of the insured. For this Florida auto insurance companies offer what is called comprehensive and collision. This will compensate the policyholder for damage sustained to their automobile minus the amount of the deductible chosen at the time of the policy is purchased. This should be considered if financing a vehicle and for the most part the financial institute will make it part of the loan condition that this is in effect at all times. It may not be beneficial to choose this for older cars or those with low value because the cost of premium and deductible may be high than the compensation that on will receive if involved in a collision.

The bottom line is that car insurance is the law. Which type of coverage that should be chosen is up to every individual’s unique situation. Before making a purchase be sure to take the time to analyze your particular needs and choose the protection that will best fit your budget as well as your needs.

By Cesar Diaz Published: 6/18/2009

To compare auto insurance quotes in Florida from the Major companies, just enter your zip code in the box above this page.

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