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.

What to look for in a Florida automobile policy

First and foremost, Florida state law requires car owners and operators to have minimal coverage.  This essentially entails covering property damage as well as personal injury.  Moreover, Florida is a no-fault state which means that it’s up to the providers to pay for medical costs in the event of an accident.  While this might not seem important now, it could end up being very critical finding discount auto insurance in Florida, especially if you end up choosing a provider which is known for denying lots of accident claims and so forth.

The bare-minimum requirements are as follows:

• $10k of property damage liability (PDL)
• $10k of no-fault or personal injury protection (PIP)

Those are just the basics, what you need to legally be out driving around and so forth. 

Naturally, when you live in a state that requires you to buy it, there are lots of options in addition to some corporate competition.  In effect, this helps to keep rates for the discount-minded companies lower, thereby passing the savings on to the consumers.  Because of this, it is advised […]

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.

Visit the Florida Department of Insurance Site First

Just like every other state in the country, Florida’s government maintains its own website. There you can find things like the ratio of complaints different companies have suffered. While every company is going to have a complaint or two, a high ratio should be taken as a warning about how bad their customer support is.

Visit an Auto Body Mechanic

Few people think to speak to their local mechanic about auto insurance companies in Florida, but it’s one of the best choices you can make in your decision making process. It helps if you have a personal relationship with one, but many mechanics will find it cathartic to talk about automotive companies they’ve dealt with.

Mechanics are such a great source because their body shops need to work hand in hand with companies when cars get damaged. So they know who pays out the most, who is quickest with these payouts and who uses the best parts. This is all very important information you’ll want to consider and chances are they’ll have plenty more to pass on.

Check with J.D. […]

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.