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Why is Florida Car Insurance so Expensive?

Living in Florida, chances are most people own a car. Unlike many states with extensive transportation systems, Florida is one of the few where driving is the norm. However, unfortunately, that does not explain why car insurance is so expensive in Florida.

Not too many people are excited to pay their automobile insurance every month. However, that is just part of the bitter pill we must swallow when we own a vehicle and want to drive it out on the open road. Being a responsible driver, vehicle owner, and community member is part of being a responsible driver. In addition, it is also a big part of the legal operation of the vehicle. At the same time, we do not have to spend an arm and a leg on auto insurance rates in Florida. Shoppers should be able to find several rock-bottom auto insurance policies priced for just about any budget without too much headache or hassle. However, the real question is, how safe is the least expensive Florida auto insurance rates?

Florida is a no-fault insurance state.

Moreover, car owners and drivers are probably quite familiar with how car insurance in Florida works. They may know, for example, that Florida is one of the few “no-fault” states. No-fault means that if they are in a car accident and suffer bodily injury, the policy covers medical expenses up to a certain amount. Who was at fault is a nonfactor. Both injured parties’ Florida insurance company covers their costs. No-fault doubles the risk insurance companies take in Florida. As a result, it is one of the main reasons car insurance is so expensive in Florida.

We are probably also aware that the State mandates car insurance in Florida. However, the minimum requirements are not as high as in some other states. For example, Florida law requires a policy coverage of at least $10,000 for personal injury and $10,000 for property damage. These could be much higher in other states and may include additional requirements.

While we may be familiar with the law and minimum requirements, families may have a teen in the household who may be getting close to becoming a driver. Suppose it is time to protect the child while driving. In that case, Florida Insurance Quotes will help them take advantage of the many discounts available.


Why else is car insurance so expensive in Florida? Teenagers!

The thought of having a child become a driver can be nerve-racking. However, enrolling a teen in a safe driver program will provide peace of mind for a parent. In addition, some companies may reward them for it with a discount. Another way to get some savings is if the child is a good student. Furthermore, this is not just for high school students. Students under 25 who maintain a B average are eligible for a good student discount.

How much or how little a teen drives may be another factor in the rate. Moreover, as the child graduates high school and goes to college, some companies will offer to take them off the policy while away. However, this discount typically requires the child’s campus to be 100 miles away. Potential deals have been around for quite a while, and they may have been aware of them. However, new technology makes it possible to add new ways to save non-existent long ago. 

Insurance carriers can install electronic devices to monitor their driving. This device creates reports that include how many miles the car logs, how many hours it is on the road, how fast the teen drives, how often they slam on the breaks, and the like. If the reports are within specific parameters, this monitoring method alone can provide savings of up to 30 percent! The type of car parents gets their teen driver can also impact their pay. A sports car is more expensive to insure and not a safe choice for teenagers or first-time drivers. However, we will save money if we purchase a pre-owned vehicle. Florida Insurance Quotes recommends buying models made in 1997 or newer. Most companies will offer discounts for modern car features such as airbags and anti-lock brakes if they do.

It is not just about the price but more about value.

The first thing we should focus on is not who can offer the lowest price but the insurance company that gives the best value. Furthermore, please make no mistake about it. Paying slightly higher auto insurance rates in Florida can be an intelligent thing to do. It is all about the value of the policy. After all, if customers pay $25 a month for a policy that lacks coverage, it is not worth nearly as much as a policy they spend twice as much for but covers them entirely.

Make sure that we read the fine print.

Also, we need to make sure that we read all of the fine print before we agree to the least expensive auto insurance rates in Florida. Yes, there is much oversight in the insurance industry. Furthermore, the overwhelming majority of businesses and agents we will deal with will be on the “up and up.” However, that does not mean we should blindly jump into a contract with the first company that quotes us. Instead, please review the policy and ensure that the coverage is what we need. Furthermore, confirm the price is where we want to be before they sign on the dotted line.

The least expensive auto insurance rates in Florida might not be enough.

Finally, we need to ensure that we are investing in the coverage that we would want to have in an emergency long before that emergency ever happens. Yes, spending money every month on something that might never happen is a bit of a pain in the backside. However, find ourselves in that kind of sticky situation. We will be glad we did not purchase a cheap Florida auto insurance policy.


 Get a quote to help save on car insurance in Florida.

Adding a driver to the policy can certainly be a sizable expense. Not to mention emotionally dreadful if the driver is young and inexperienced. However, the resources available can make this experience a bit easier on the wallet. So let us do the homework and shop around to get the most out of the car insurance policy.

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