What You Need To Know About Florida Auto Insurance Minimums

If you have relocated to Florida from another state as most retirees tend to do, or if you have come to the fine State of Florida for other reasons like school or work, there are some things you need to know about Florida auto ins. that may be different that what you are used to.  In other states like New Hampshire, there are certain guidelines that do not always make it necessary to have certain types of coverage at all, but not so in Florida. We put together some things you need to know to make sure you understand what is required so you are not out of compliance with regulations.

What Is Required for Personal Injury Protection

Aside from the usual collision coverage that protects you if you impact someone else’s car and cause damage, there is also personal injury protection that needs to be considered so that if you or someone in the accident is injured, that you are protected from loss and you are not sued for damages.  The State of FL regulations have their own requirements for minimum coverage that you need to be aware of.

The absolute minimum coverage that you as the automobile owner can have is $10,000 per person who is injured.  In some cases, depending on what kind of coverage you buy, you can have personal injury protection deductibles of over $2,000 so be sure you understand what needs to be covered and what kinds of policies you can obtain that will minimize your out-of-pocket expenses.  Less coverage purchased may mean a lot more money out of your wallet in the event of claim.  If you injure a pedestrian or a bicyclist, those types of accidents are covered under your personal injury coverage, you are also covered if someone commits a crime of bodily injury to you in the event of road rage or a car-jacking.  […]

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 […]

Florida is one of the most popular states in the nation for people looking to relocate. With its sunny weather, inexpensive real estate, easygoing people, and vibrant job market, Florida attracts lots of tourists and businesspeople, and many people who visit decide to make the Sunshine State their home permanently. Florida is famous as a place for retirees to call home as well, and that can lead to culture shock for many people that find themselves unfamiliar with the laws and customs of Florida after living for many years elsewhere. Automobile insurance in Florida is one of the things that are done differently than in many other states, so it’s important for new residents and retirees to understand the differences between automobile insurance where they’re coming from and in Florida.

Florida Is A No-Fault State

Florida is a so-called no-fault state. There are only eleven other states that have no-fault laws: Massachusetts, Michigan, New York, Pennsylvania, New Jersey, Kentucky, Kansas, Minnesota, North Dakota, Hawaii,  and Utah.

Drivers from the other 38 states may not be familiar with no-fault insurance. Florida no-fault insurance means that if you’re into an accident, the policy will pay for the medical bills up to the policy’s limits, no matter who actually caused the accident. The minimum limits for this entry-level Personal Injury Protection, or PIP, are $10,000. Unlike many other states, this PIP not only covers members of your household that are riding in the car with you, it covers your children when they are riding on a school bus, and you while you’re riding a bicycle or even walking on a sidewalk. Your PIP also covers you when you’re riding in someone else’s vehicle.

In addition to no-fault Personal Injury Protection, drivers must carry an additional $10,000 […]

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 […]

Everyone wants to secure the cheapest car insurance in Florida. However, many people just do not know where to even begin. Shopping for coverage can just be downright confusing and so time-consuming. As a FL resident, you can’t avoid driving out on the roads without any coverage whatsoever. It is mandatory that you purchase a policy in order to protect yourself from financial disaster. Not only that, car insurance is required in the Sunshine State. Even though Florida requires a different type of policy, doesn’t mean you can get away with not purchasing it.

Many shoppers wonder if they can find a policy that fits their budget. While this takes quite a bit of researching and hard work, it’s possible. In fact, there are many different paths you can take when it comes to shopping the web for an affordable policy.

We can provide you with cheap car insurance in Florida, but we are also here to help! Whether you want a low-cost policy or the best policy within your budget, we have your back. Keep reading below to find out to secure the policy of your dreams.

Who provides the cheapest auto insurance in Florida?

There’s really no direct answer as to which company can provide you with cheap auto insurance in Florida. There are just too many factors at play to determine this. In addition, what is is affordable for you may not be the same for others. That’s why you need to shop around and collect quotes, in order to ensure you receive your customized rate.

As mentioned above, there are a variety of factors that affect each person’s rates differently. You should understand what these factors are and how they can affect the rates you are given. These factors are age, gender, credit score, marital status, where you live, and the age of your car, just to name a few. Usually, male drivers cost more to insure due to […]

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 in Florida

Carriers in Florida are not all created equal. If you want to find the best auto insurance 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 auto insurance in Florida has an 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 carriers 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 Coverage Offer More Protection

You will usually get the level 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.

One such service that is useful to you when comparing auto rates is something like floridainsurancequotes.net which is going to allow you to compare rates of different companies based on your current automotive condition. When getting a quote it is important to know the make and model of your car as well as the milage on the vehicle. All these things can play a factor in how much you pay and could also help you maybe narrow down a decision on what type of coverage or price you’d be willing to pay. If you are driving a 300,000 mile Kia Sorento you might not wish to opt for the the full coverage but if you are driving something like 1973 Corvette Stingray you may want to consider this. The make, model and condition of the car can determine the value and how much you would maybe want to insure it for.

Another thing that can play a factor in how much you pay for coverage and something to take note in while doing your comparisons is where you live. Where you live can determine how much you pay. Whether you live in the suburbs or a dangerous city or something in between prices can fluctuate. If you hold dual residency in other states than it might be in your best interest to have your vehicle registered in an area where car insurance is cheaper. However, if you do this it will probably be required for you to have your driver’s license registered in the state as well. So if you are a snowbird and come […]

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.

What is No-Fault Insurance?

No-fault insurance in Florida requires all drivers to purchase auto insurance that includes personal injury protection and property damage liability benefits.  Personal Injury Protection (PIP) will be able to pay (the insured) medical bills, no matter who is at fault for an auto accident. This will only cover up to the amount stated in your policy, while the minimum coverage limit for this is $10,000.

Here is an example of how pip insurance in Florida works. Let’s say that you choose the minimum coverage of $10,000. Expect Personal Injury Protection in FL to pay:

• 80% of your medical bills
• 60% towards lost wages, due to not being able to work
• 100% of replacement costs

Personal injury protection also should provide you with a $5,000 in the case of a death. This would be put into action if a driver dies due to an automobile accident. PIP claims MUST be made within 14 days of an accident.

Personal injury protection in Florida also covers your children, other members in your household, and passengers who do not have any PIP insurance (as long as they aren’t a vehicle owner). If you are a passenger in someone else’s vehicle and are covered with your own PIP, you will be covered as well.  In addition, anyone that is riding in your car that has proper PIP protection will receive coverage under their own PIP for any injuries sustained.

Where does No-Fault Insurance fit into my auto insurance policy?

Personal Injury Protection is added to auto insurance policies in Florida. It will kick in and pay the insured persons […]

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.

Minimum requirements

There are minimum Florida automotive requirements that every driver and vehicle registered in the State of FL must meet.  The first requirement is that every single vehicle registered in the state must have coverage at all times.  This means that even if you are only a seasonal resident of the state and your vehicle goes into storage for part of the year that you still must maintain current coverage on that vehicle.  There are fines if coverage lapses and these fines go up in increments for each occurrence.  When you purchase a policy in the State of FL the company will notify the state of coverage or if coverage lapses.  The state will then notify the driver that both their registration and driver’s license will be suspended on a certain date unless the insurance is reinstated.

Florida car requirements for liability

The State of FL has established minimum coverage requirements for liability coverage that every driver must […]

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.

Required Insurance

Florida has all drivers who register vehicles with four or more wheels to carry insurance coverage on their vehicle.  Unlike most other states, Florida only demands two types of coverages to legally operate a vehicle.

Personal Injury Protection

PIP insurance is required in Florida.  All drivers must carry a minimum of $10,000 PIP insurance.  This insurance provides coverage in several different instances, regardless of who is at fault in the accident, including:

• Household members, children, or other passengers that are not covered under another PIP policy, and do not own their own vehicle.
• PIP provides coverage for people who are driving your vehicle with your permission
• Children who are injured while riding the school bus
• If you are riding in another person’s vehicle and are injured
• If you are injured by another vehicle while riding a bicycle or walking

Property Damage Liability or PDL Insurance

PDL is another type of insurance that is required in the state of Florida.  This insurance provides coverage for any damages that you or someone driving your car with your permission may cause to someone else’s property during a crash.  This can include damages to their vehicle, fence, mailbox, or other personal property that might be damaged due to an accident involving your vehicle.  Drivers must carry a minimum of $10,000 in coverage for this insurance as well.

Other Coverages

Even though Florida only demands PIP and PDL insurance, many drivers also opt for Bodily Injury Liability insurance […]

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 […]