If you’re like many Florida drivers, you’re trying to save money on your car insurance bills. Car insurance rates for Florida drivers are some of the highest in the nation, with an average policy amount of over $3000, while states like Idaho or Maine pay barely a third of that.  While shopping around from one insurance company to another can be time consuming, it’s worth the effort if you find the right policy at the best price. There’s one method of getting the lowest Florida car insurance quotes that many consumers overlook. Try bundling your insurance policies together to save even more.

Bundled Insurance Saves Money Effortlessly

If you’re a homeowner in Florida, and are also in the market for car insurance, consider contacting your insurance agent and asking if there are discounts for bundling two or more policies together. Many insurers in the Sunshine State offer policies for both types of insurance, and most will be pleased to offer a discount in order to get you to sign up for both types.

Florida Doesn’t Lead The Nation, But Still Offers Substantial Discounts

While Florida isn’t at the forefront of discounts for bundled insurance policies, it’s still possible to save a lot of money on your consolidated insurance bill. According to a recent study, residents of Louisiana can save the most on their insurance by bundling home and auto policies, over $500 per year on average, which works out to close to 20 percent. Other states that offer big savings include Oklahoma, Texas, Mississippi, Alabama, and the District of Columbia. Florida is ranked 50^th out of 51 states and the District of Columbia, but on average you could still save close to $150 per year, which is almost 5 percent. Since these saving require nothing on your part, and they don’t diminish the amount or limits of your coverage in any way, they’re a no-brainer for the […]

Do you live in Florida and are currently signed on to work for a ridesharing company such as Uber or Lyft? Did you know that you will need to purchase rideshare insurance in Florida? If you have not considered this coverage before, then you should. You could face some serious issues by not having the right coverage.

Florida is home to the largest rideshare markets in the country. In fact, some of the major hotspots for ridesharing are Miami, Tampa, Orlando, and Daytona Beach. Actually, rideshare insurance in Florida did not exist until 2017. Which is simply crazy considering how long this service has been in business. Farmers Insurance was the first insurer to provide this coverage type. Soon after other companies followed.

Which companies offer rideshare insurance in Florida?

It’s important that you know which companies can cover you. Currently, today here is a list of companies that can provide you with a rideshare policy in Florida.

• Farmers Insurance
• Geico
• Mercury
• Progressive
• State Farm

So does ridesharing companies provide me with the coverage I need?

Uber and Lyft can provide you with decent coverage if you have a passenger in the car, or if you are on your way to pick up a passenger.  If you are sitting and waiting on a ride request to come in, they will not provide you with collision coverage. At that time, they will only provide you with a limited amount of liability and property damage coverage. In other terms, while you are waiting for a ride request, Uber or Lyft aren’t paying for any damages or medical expenses that may incur due to an accident. They will only cover you for damages done to the other vehicle and the injuries of the passenger in that vehicle.

Does my personal auto insurance cover me?

Your personal auto insurance will not cover you if you are an accident while […]

Fr44 insurance in Florida is required when a person is applying to reinstate their driver’s license following a DUI or DWI conviction. An FR44 is simply a document that shows financial responsibility proving that you carry coverage. However, an fr44 requires your liability coverage limits to be higher than Florida’s minimum. You may see the term “fr44” a variety of ways. For instance, FR-44 and FR 44. These variations are still the same type of coverage, just written with a different style.

Why do I need FR44?

The state of Florida requires FR44 insurance. Drivers guilty of a DUI will have their license suspended and have quite a cost increase to their auto rates over the next 5 years. The FR44 is aside from all of the usual penalties such as fines, jail time, and license suspension. In order to get your license reinstated, you will have to purchase this.

When is fr44 insurance in Fl required?

There are a few instances in which you will be required to have fr44. Each of these instances is listed below. For the most part, it’s self-explanatory.

• You are caught driving a vehicle under the influence of drugs or alcohol.
• If you are pulled over and caught driving without a license due to it being suspended by a conviction.
• Any violations of federal law or law of any other state or local ordinance.

How do I get an FR44 and how long do I need it?

In order to get fr44 coverage in Florida, you simply need to let your insurance company know when purchasing your policy. As for how long you will need this, an fr44 verifies that you will be carrying double your states minimum liability requirements for the next three years.

A driver convicted of a DUI must have their liability limits increased in place on the day of the offense in order to not owe a reinstatement fee to the state. The reinstatement fee as of 2008 is $150 for the first […]

When it comes time to shop online for auto coverage here in the Sunshine State, its best that you know which companies write policies. Luckily we have saved you time by providing you with a list of car insurance companies in Florida. Let us help you find the best policy for you today!

As you may already know, Florida has some of the most expensive car insurance in the US. Due to this, it is recommended that you shop around using a list of companies as a reference. In fact, a list of car insurance companies in Fl can be a great starting point when it comes to finding the best rates in the state. Without further ado, let’s dive on into our list. Remember if you would like to receive a quote from any of these companies, simply click the gold “get a button” to get started. Here we go!

We give a free quote for the following auto insurance companies in Florida

• State Farm
• Geico
• Progressive
• Alllstate
• Universal Property & Casualty
• USAA
• Esurance
• Liberty Mutual
• Farmers Insurance
• Mercury Insurance
• Nationwide
• The Hartford

State Farm

State Farm can provide you with the coverage you are looking for. In fact, this company can provide you with great service and the ultimate confidence level. State Farm always follows through. Their knowledgeable agents are the key to finding easy savings, customizable coverage, and straightforward policies.

Geico

If you are new to Florida and looking for a great policy, Geico may have what you are looking for. Whether you are ready to purchase a brand new car or are looking to switch providers, Geico can […]

How to Choose the Best Car Insurance Companies in Florida

Companies in Florida are not all created equal. If you want to find the best auto insurance companies in Florida, you will need to choose with care and this means performing careful comparison-shopping in order to select firms with great business reputations.

In addition to finding the right company, you will need to ensure that you select a great policy that gives you your preferred level of coverage and that this sort of policy won’t be too expensive for your needs.

Once you’ve taken care of a little homework and research online, you should feel more confident as you move forward with the process.

Comparison-shopping Tips for Prospective Buyers

The best companies in Florida have online presences. They operate official websites which typically feature loads of practical information about their policies, services and premiums. By checking out these firms, you’ll be ready to make the most of your next policy. Without performing adequate due diligence before a policy purchase, you may not get the level of coverage that you need, for a price that you can really afford.

The next step is checking out the different policies which are offered at the companies in Florida. Any company that you work with should have a strong ranking at the Better Business Bureau, whether it is a large, mid-sized or small firm. In addition, the company should offer affordable policies, whether they are basic or comprehensive.

However, it’s really pretty easy to compare policies and premiums, as you may find out information about the cost of prospective policies by utilizing online quote calculators or by asking for premium information (via the contact information which is found at the Contact Us pages of  the provider).

Higher Levels of […]

It may be time for you to be switching auto insurance or if you are a new driver to get it for the first time. Like any savvy consumer though you don’t want to take your first option but instead you want to a little shopping and find out what your best deal and what is perhaps the best company for your particular needs. Not everyone is going to be driving a ferrari and it helps to compare auto insurance in Florida since in this state it tends to be a quite a bit more expensive.

Florida is a no-fault state. Therefore, it follows a “No-Fault” law. However, many people aren’t aware of the ins and outs of the No-Fault law. It is important that you completely understand this process as it is a key step when it comes to purchasing Florida auto insurance.

Every time you drive your vehicle you are exposing yourself to risks on the road.  There are road hazards, weather hazards and the biggest unknown of all other drivers.  We all do our best to avoid road hazards but there are times when your car is damaged from hazards encountered on the road.   We can avoid driving in weather hazards like hurricanes since we are giving adequate time to prepare and protect our vehicles but what about sudden storms that spring up?  You will want to make sure you are covered in the event that weather hazards cause damage to your vehicle.  The biggest risk of all is from other drivers who are on the road at the same time.  Drivers could be distracted by passengers or talking on cell phones and not paying attention to the road.  Florida auto insurance requirements have been established to deal with all these situations and make sure the driver and vehicle are protected in the event of an accident.

Florida insurance laws are quite different from other states, so it is important that you understand exactly what your insurance needs are before choosing a policy.  The following tips will help you make the best decisions when it comes to finding car insurance in fl.

Getting coverage has never been easier thanks to the internet. In fact, online it takes less than 10 minutes through some our online quote system. This reduces the excuses for drivers in the states to not have legal coverage. Getting Florida online auto insurance quotes is quick, simple, and could ultimately save you a great deal of financial suffering and inconvenience. Accidents without coverage can be overwhelming expensive, including medical bills, vehicle replacement costs, pain and suffering money and other charges.

There aren’t too many people out there excited to pay their automobile insurance each and every month.

The Lowest FL Car Insurance Quotes Don’t Cover Commercial Drivers

How do you know if you need to purchase a commercial auto insurance policy?  There are some businesses that require you to have a commercial policy and some that you can still get by with just your personal coverage.  If you work as a self employed business person,  only work part time, don’t drive over 100 miles per day and don’t use your vehicle to transport others, you may be covered by your personal coverage.  These jobs may include social workers, various party plan independent consultants, home health care workers, etc.

The Weight

When it comes to automotive coverage, there will always be a lot of questions to answer and concerns to address (which must be taken care of on an individual basis, of course).  Likewise, each state has its own unique rules, regulations and considerations to take note of before actually purchasing a policy.   The same exact sentiment should also apply to what kinds of policy specifics each individual person (or their whole family will) ultimately need as well.  In the state of Florida, there are obviously lots of great options for the discount seeker, including a number of companies that specialize in catering directly to the budget-minded.

Just about everyone owns a car these days or is working to buy one. Without transportation, your options in life are very limited. However, you need more than just a car and gas to get where you’re going in Florida. While having coverage for your vehicle is always a good idea, in Florida it’s mandatory. If you get behind the wheel of your car without car insurance, you’re violating the wall and a mere speeding ticket can quickly turn into a much, much bigger problem. That being said, there are countless auto insurance companies in Florida to choose from, so consider the following advice to make sure you pick the right one.

Living in Florida chances are you own a car.  Unlike many other states with extensive transportation systems, Florida is one of the few states where driving is the norm.  And as a car owner and driver, you’re probably quite familiar with the way car insurance in Florida works.  You may know, for example, that Florida is one of the few “no fault” states.  What this means is that if you’re in a car accident and suffer bodily injury, your policy covers medical expenses up to a certain amount whether the accident was your fault or not.

No two states in the United States are identical when it comes to auto ins laws.  It’s very important to fully understand the Florida auto insurance laws when you purchase a policy so that in the event of an accident or a traffic stop that you are fully protected in following all appropriate laws when you are driving in the State of FL.