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Liability Auto Insurance for Florida

When do you have too much or too little auto insurance? If you are a resident of Florida there is only so little you can get by without. Florida is a no-fault insurance state. By this it is meant that if you aren’t insured, you are breaking the law.  Let’s take a look.


The current minimum Personal Injury Protection (PIP) coverage will address claims of up to $10,000 less any deductible you may have. Coverage includes up to 80% of reasonable medical expenses, 60% of any wages lost due to an accident, and $5,000 in death benefits


The other classification of mandatory auto insurance is Florida Property Damage Liability. Used to replace property that you damaged as a result of an auto accident PDL will cover up to the terms and conditions you have selected.


Should you be convicted of a DUI you also are required to purchase a $100 thousand worth of coverage per person and $300 thousand dollars per incident coverage for Bodily Injury Liability (BIL).


While Florida has attempted to both clarify and make easier the auto liability insurance process, for many it remains a difficult road to travel. One of the big questions that arises is this: are there ways to save money when looking to purchase Florida auto liability insurance?


This is a question where there’s no clear yes or no answer available. There are too many variations in coverage to consider. It is probably easier to tell you that your ability to save money is directly linked to the choices and needs you have in your coverage.


Here are some areas of consideration that can save you a few dollars in premiums here and there.


  • Amount of deductible
  • Type of vehicles covered
  • Number of miles driven
  • Location of driving
  • Special discounts


The number one way to cut costs is to increase your deductible. This is the amount that you are willing to pay toward a claim before your insurance has to pay anything. If only having a $100 deductible sounds like the way to go, ask your agent how much lower your premium would be if you had a $500 deductible.


You might want to consider the type of vehicle you have, how often it is driven, and where it is used. Each of these may have an effect on how much you pay.


In addition, keep your driving record as clean as possible and ask about any special discounts such as multiple forms of coverage with the same company, safe driving, or even drivers education classes.


Short of being over 25 years old, a female and driving a 4 door run of the mill 1990 Ford Galaxie sedan there is only one other alternative left. Shop for your insurance. Statistically, most people buy from a friend, a friend of a friend, or a name brand. Not necessarily a bad choice but it doesn’t cost you anything to shop. Just be sure that you know what it is you want to buy and stick with that choice.

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