The best way to find low cost, quality coverage is to obtain free quotes from multiple Florida auto insurance companies in order to find out which company will offer the lowest rates. OnlineAutoInsurance.com allows shoppers to compare rates in Florida with one simple process. Whether they are looking for "full coverage" or just "liability coverage" , motorists can obtain the cost of premiums instantly and easily from top companies such as Drive from Progressive, AIG, Unitrin and more. This can be extremely useful in helping individuals locate the right policy from a reliable provider at a price they can afford.
More about Florida Auto Insurance:
If a vehicle with four wheels or more is being registered, it must be insured by a company licensed by the Florida Department of Insurance. Failure to buy Florida auto insurance and maintain coverage on vehicles can lead to having driving privileges suspended and/or having a car's tags and registration suspended for up to three years or until proof of a valid Florida automobile policy is presented. Additionally, one may be fined anywhere from $150 up to $500. That's why OnlineAutoInsurance.com is here to assist Floridians with their coverage needs and to help them find cheap FL car insurance rates.Florida's state laws requires that motorists maintain at least the following minimum coverage:
- $10,000 personal injury protection. (PIP)
- $10,000 property damage liability (PDL)
- $20,000 bodily injury liability (BIL) per accident if the policyholder has been involved in a crash, or has been convicted of a certain offense.
Personal Injury Protection (PIP)
- Compensates a loss due to injury regardless of fault.
- Applies to bodily injury to the insured, relatives residing in the same household and passengers who are not required to have PIP.
- Protects the policyholder if he or she is injured as a pedestrian or bicyclist as long as the injury is caused by an accident with an automobile
- Pays for serious and permanent injury or death to others when the insured driver causes a crash involving the insured automobile.
- Pays for other parties' injuries up to the limits of the policy and provides legal representation in the case of a lawsuit
- Pays for injuries caused by policyholders or family members residing in their household
- May provide coverage for others who drive the policyholders's vehicle with permission
- Pays for damages that policyholders or members of their family residing in the same household caused to other people's property in an automobile accident
Questions Regarding Florida Auto Insurance
- Whose Florida Auto Insurance Will Pay for My Damages?
Even though Florida is a no-fault state, the person who is responsible for an automobile accident is still responsible for covering the property damages, while medical expenses are covered by each driver's own policy. To help ensure that drivers are prepared for...
- Do I Have to Buy Florida Auto Insurance If I Live There Part Time?
To enter the Sunshine State by car and legally drive within the state's limits, the vehicle must be insured. Whether it will need to be covered by a Florida auto insurance policy depends on whether the car is registered in the state. Drivers who split their place of...
- How Can Mature Florida Motorists Save on Auto Insurance?
Many vehicle owners in the Sunshine State who are over the age of 55 are good drivers, but as people age there are certain abilities that begin to degrade, which can impair driving ability and increase the risk of being involved in an accident. Difficulty behind the wheel can...
News for Florida Car Insurance
- Law Gives Fla. Car Insurers More Time to Cancel Certain Policies
June 17, 2014 - Florida drivers who buy coverage to get their driving privileges back after a DUI or lapse in coverage will soon face a longer period when their insurer can cancel the policy. Currently, Florida car insurers have only a 30-day "underwriting period" during which they can cancel such policies. But, starting July 1, ...
- Fla. Regulators: Analysis Shows Broad Drop in PIP Premiums
January 22, 2014 - Florida motorists could soon see average savings of more than 13 percent on their personal injury protection (PIP) rates as a result of recent reforms, according to insurance regulators. That would translate to a broader reduction of 3 to 4 percent on overall car insurance bills. The estimates come from a Wednesday report ...
- NICB: Several States Saw More Questionable Claims in 2010-12
December 16, 2013 - Questionable claims (QCs) submitted under personal auto insurance policies increased for California, Colorado, Massachusetts, and Florida between 2010 and 2012, according to the National Insurance Crime Bureau's (NICB) recent breakdown of QCs originating from five specific states. The bureau also reported that Michigan generated ...
Articles About Finding Insurance in Florida
- Location and Insurance Rates: Florida as a Case Study
October 16, 2012 - It's a standard rule in the insurance industry that location plays a major part in the price you pay for coverage. But when it comes down to it, how much of a factor does it really play? OnlineAutoInsurance.com ran an analysis of nearly 1,700 car insurance quotes in Florida from 25 companies and broke them down by the state's 67 counties...
- Big Changes Coming for Florida No-Fault Insurance Law
May 31, 2012 - Significant changes to Florida's no-fault auto insurance laws that deal with coverage provisions and criminal activity will start taking place in July 2012, although residents will not experience the...
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