FL Auto Insurance: Get the Best Quote in 7 Easy Steps
About FL Auto Insurance
Florida's no-fault auto insurance system requires all drivers to carry personal injury protection (PIP) and property damage liability (PDL) coverage. PIP covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident. PDL covers damage to other people's property, such as their car or home.
The average cost of car insurance in Florida is $2,479 per year, according to the National Association of Insurance Commissioners (NAIC). However, rates can vary significantly depending on a number of factors, such as your driving record, age, and the type of car you drive.
How to Get the Best FL Auto Insurance Quote
To get the best possible auto insurance quote in Florida, it is important to shop around and compare rates from multiple insurance companies. Here are seven easy steps to follow:
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Gather your information. Before you start shopping for auto insurance, you will need to gather some basic information, such as your driver's license number, vehicle identification number (VIN), and driving history.
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Get quotes online. There are a number of websites that allow you to compare auto insurance quotes from multiple insurance companies. Simply enter your information and the websites will generate a list of quotes for you.
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Compare quotes. Once you have a list of quotes, take some time to compare them carefully. Pay attention to the coverage limits, deductibles, and premiums.
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Choose an insurance company. Once you have found the best quote, choose an insurance company and purchase a policy.
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Maintain your coverage. It is important to maintain your auto insurance coverage throughout the year. If you lapse in your coverage, you could be fined or even have your license suspended.
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Review your policy. It is a good idea to review your auto insurance policy each year to make sure that you still have the coverage you need.
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Shop around. Even if you are happy with your current insurance company, it is a good idea to shop around for better rates every few years.
Tips for Saving Money on FL Auto Insurance
There are a number of things you can do to save money on your FL auto insurance, such as:
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Increase your deductible. The deductible is the amount of money you pay out of pocket before your insurance coverage kicks in. Increasing your deductible can lower your premium.
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Take a defensive driving course. Taking a defensive driving course can show insurance companies that you are a safe driver and earn you a discount on your premium.
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Bundle your policies. If you have multiple insurance policies, such as auto and homeowners insurance, you may be able to get a discount by bundling them with the same insurance company.
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Ask for discounts. Many insurance companies offer discounts for things like good driving records, being a homeowner, and having a college degree. Be sure to ask your insurance agent about any discounts that you may be eligible for.
Pros and Cons of FL Auto Insurance
There are both pros and cons to Florida's no-fault auto insurance system.
Pros:
- PIP coverage can help you pay for medical expenses and lost wages, regardless of who is at fault in an accident.
- PDL coverage can help you pay for damage to other people's property.
- No-fault insurance can help to reduce the number of lawsuits filed after car accidents.
Cons:
- No-fault insurance can be more expensive than traditional fault-based insurance.
- PIP coverage has a limited benefit amount, which may not be enough to cover all of your medical expenses.
- PDL coverage does not cover damage to your own car.
Conclusion
Getting the best possible FL auto insurance quote is easy if you follow these simple steps. By shopping around and comparing rates, you can save money on your insurance and get the coverage you need.
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