Florida Auto Insurance

Have you ever wondered if your auto insurance coverage meets the Florida state minimums? If your vehicle is currently financed, the lender requires you to carry at least the minimum level of Florida auto insurance. However, if your car doesn’t currently carry a loan, it is up to you to ensure that your coverage is sufficient.

Florida Auto Insurance Requirements

All Florida vehicles must be insured. The minimum level of coverage each Florida driver is required to carry is $10,000 in personal injury protection, $20,000 in total accident personal injury protection and $10,000 in personal damage liability protection per accident. In addition to these basic minimum levels of coverage, Florida also requires that drivers carry personal injury protection coverage. This type of coverage acts as an extension to your current policy.

One more area that Florida drivers should be aware of is that Florida is a no-fault state. This means, that regardless of who is at fault in the accident, the driver’s auto insurance must cover medical bills for themselves in addition to the vehicle’s passengers. The purpose of this regulation is to minimize potential insurance fraud claims within the state.

It is essential for drivers to have a policy with a sufficient amount of coverage to protect themselves and their vehicles. By comparing quotes, drivers can find the cheapest and most dependable coverage for them. Online resources are the fastest and most efficient way to do this. Drivers can see multiple quote comparisons at once and decide which one works best for them.

Florida Auto Insurance For Unlicensed Drivers

Unlicensed drivers can benefit from the many online resources and quote comparisons as well because insurance providers will still cover these drivers, usually at a higher premium, but can still allow for coverage in case of an accident or other issue. The prices are generally higher for this type of driver because of the risk that comes with insuring new drivers without a valid license, or for drivers under the age of 25 due to the higher amount of risks that they take while driving. Even with all of this, shopping around for the lowest possible rates can dramatically improve the chances of finding sufficient coverage at an inexpensive rate. Different providers will have different guidelines for each driver and their circumstance.

If drivers decide not to purchase a policy could have negative impacting results. Drivers that do not maintain an adequate coverage amount could face license suspension and revocation that could include:

• Loss of driving privileges
• Loss of license plates
• Being unable to register a vehicle for up to 3 years

If a driver is caught driving an uninsured vehicle, they could also face fines and possible longer term suspensions. Drivers can avoid the consequences by simply shopping and comparing for quotes that give them the best price and coverage. There are so many different providers that it can be overwhelming when it comes time to decide which provider to go with, but comparing and gathering as much information as possible will help drivers to be equipped with the necessary ammunition they need to make the best decisions possible.

Drivers looking to compare car insurance quotes should take the time and research providers before making a decision to sign with one. Each insurer is different and has different plans to meet the individual needs of each driver. They should make sure to pick the best Florida auto insurance that best suits their needs.

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