Car Insurance Florida – What You Need to Know

The minimum car insurance requirements in Florida are just the minimum required to legally drive on Florida’s roads. However, if you have a major accident, your minimum Florida auto insurance coverage may be insufficient to pay for your own damages. If you drive an older car or a car that gets very little use, consider raising your liability limits. This way, you will be paying a smaller amount for medical bills and lost income. Personal injury protection (PIP) is an optional policy that pays for medical bills, lost income, and other expenses incurred by an accident. insurance auto quotes

The Insurance Information Institute (II) has found that the number of uninsured drivers in Florida is the sixth-highest in the nation. The cost of car insurance Florida is directly related to the make, model, and trim of the car. Other factors that determine the cost of insurance include safety ratings, likelihood of theft, and sportiness. Lower-risk cars typically have lower rates, while luxury cars and high-end models cost more than average.

If you’re new to driving or have a clean driving history, it’s important to compare rates from multiple car insurance companies and find the best policy for your needs. There are many different factors that influence car insurance rates, so it’s important to compare several different quotes to find the best coverage for your needs. Keeping your driving record clean will allow you to keep your car insurance Florida rates low and affordable. There are also several different discounts available for those with clean driving records, such as good grades and federal employment.

While your driving record and age may increase your car insurance Florida rates, there are ways to reduce these rates. If you are young, look for discounts and apply for them. By shopping around and maintaining a clean driving record, you can save up to 20% on your car insurance. Florida ranks 38th among states for the number of fatal accidents among drivers between 20 and 24 years old. Young drivers are also more likely to be involved in accidents and have higher rates.

Full coverage car insurance in Florida costs an average of $2,780 per year, or $232 a month. However, the minimum coverage is just $1,084 a year, so you should look into full coverage policies that are available in Florida.