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Florida Auto Insurance Quotes

Auto Insurance quotes are offered in Florida by several insurance carriers and the types of coverages provided by them are also substantial. Hence, if you wish to obtain a clear idea of the Florida auto insurance coverages that you'll need to purchase, you have come to the right place. You'll find not only information on the statutory coverages mandated by the state of Florida but also the other kinds of coverages that will help you limit your liabilities and expenses to the minimum, in case of possible auto accidents. This information is a must when you undertake a search for the right type of Florida auto insurance policy, since you'll have to comply with the minimum mandatory auto insurance coverages in Florida and also provide extra protection for unforeseen incidents. Further, you'll be able to compare quotes from different insurance carriers here and decide on the most ideal and viable auto insurance policy for your vehicle in Florida.

Every state in USA has different requirements when it comes to auto insurance policies. But every state needs the drivers to carry insurance policies of one form or the other. Therefore, buying the auto insurance before driving the car is very necessary. Since every driver should have auto insurance, it is one of the biggest industries in USA, and there are many insurance companies that offer policies at competitive rates. Like all states in USA, state of Florida too has its own rules when it comes to auto insurance policies.

Auto Insurance quotes are offered in Florida by several insurance carriers and the types of coverages provided by them are also substantial. Hence, if you wish to obtain a clear idea of the Florida auto insurance coverages that you'll need to purchase, you have come to the right place. You'll find not only information on the statutory coverages mandated by the state of Florida but also the other kinds of coverages that will help you limit your liabilities and expenses to the minimum, in case of possible auto accidents. This information is a must when you undertake a search for the right type of Florida auto insurance policy, since you'll have to comply with the minimum mandatory auto insurance coverages in Florida and also provide extra protection for unforeseen incidents.

The Cost of Not Having A Valid Florida auto insurance coverage

Every state has a minimum requirement needed for insurance coverage, but they are not the same. The minimum thresholds vary across the states based on various factors. In Florida, minimum coverage in auto accident for bodily injury per person is $10,000, minimum coverage in auto accident for bodily injury to all the persons involved in the accident is $20,000, and minimum coverage in auto accident for property damage is $10,000, making Florida auto insurance policy as 10/20/10. Florida is a no-fault state and hence, the insured person is covered for bodily injury irrespective of the driving fault of any person in the accident. Irrespective of the type of coverage you opt for, you should ensure the policy covers these minimum requirements in order for it to be considered valid.

While driving in Florida, if you do not have the statutory Florida auto insurance coverages of personal injury protection coverage and property damage liability coverage, the state authorities can suspend your driving license and auto registration for a period of up to three years or until you provide proper proof of Florida auto insurance for your vehicle. If you fail to maintain your auto insurance coverage continuously, the authorities can charge reinstatement fee varying between $150 and $500 for your subsequent insurance coverage violations. You'll have to provide proof of your Florida auto insurance even when you pay these fines.

Florida auto insurance coverage options to consider

Geographical area matters a lot in deciding the insurance costs of a particular company. In state of Florida, it is mandatory to buy insurance from an insurance company which has the license to sell policies from the state of Florida. There are some policies that the drivers should mandatorily include in their insurance bundle if driving in Florida. They are:

Personal Injury Protection Plan

Florida requires the drivers to have the personal injury protection plan, which protects the drivers regardless of anyone's fault. Personal injury protection plan covers the medical expenses resulting from treatment of injuries to the driver due to accidents. Having this ensures safety to the family of the policy holder in the event of an accident.

Third party Liability

Third party liability insurance is also mandatory in Florida, like in most other states. This policy protects other drivers on the road, in case the collision is the fault of the policy holder. This insurance pays for the damages of the other car involved in the collision, and the insurance company of the other driver will claim the money from the policy holder. This also covers for property damages resulting from a collision which is the fault of the policy holder. This insurance policy is also known by the name property damage liability insurance.

Comprehensive and Collision

Since Florida is sometimes exposed to rough weather conditions, buying a comprehensive insurance policy benefits the vehicle owners when the weather conditions cause damage to the car. Although this is not a mandatory insurance policy, having it can save a lot of money even with paying slightly higher premium rates. Comprehensive insurance covers the damages to the vehicle due to extreme weather conditions like hurricanes, rainstorm, tornadoes, flood and natural disasters like earth quakes. It also protects the vehicle from damages resulting in vandalism, fire and covers the expenses in the event of theft. Collision insurance covers the damages to the policy holder's car in the event of collision with another car or property.

Buying the perfect auto insurance coverage

All drivers even when visiting the state must have the mandatory coverage imposed by the state during their visit. Buying the insurance for the duration from a local insurance company ensures that all the rules imposed in the state are met. Conforming to the rules helps in avoiding heavy penalties when driving without insurance, and also gives the drivers the peace of mind. Being covered is most important when driving to assure safety and financial assistance when most needed.

There is no dearth of Florida auto insurance providers to cater to the requirements of the people in this region. However, this does not imply the task of choosing the right provider is easy. On the contrary, you need to shop extensively and get quotes from various auto insurance providers in the region before you make your final choice. You need not spend hours either traveling to the offices of these providers or calling them up to get the quotes. Our website is a one stop shop for all your auto insurance coverage needs. You can get quotes from multiple providers in a matter of minutes and compare them to gauge the features and benefits they are offering. You can also compare the prices for similar coverage; however, it is important not to base you decision solely on the price. Make sure you read the terms and conditions and understand the details of Florida insurance coverage well before signing up for it.

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