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Get Cheap Auto Insurance Quotes in Florida

Looking for cheap auto insurance in Florida? Your search ends here. Enter your zip code above to compare auto insurance companies in Florida and get the best price on auto insurance. Get the cheapest auto insurance in Florida in mere minutes!

Florida Auto Insurance basic information:

Florida like every other state requires a minimum coverage of $10,000 in property damage liability, a minimum $10,000 is also required for personal injury protection ( also known as PIP). Florida is a no fault state, which means that you will be covered by PIP even if the accident is considered your fault. While the minimum personal injury protection required is $10,000 it is recommend that your increase this amount to at least $20,000. A higher PIP is great to have especially if you drive often with other people, because PIP will not only cover you incase of an accident but also other passengers. If you need Florida no fault insurance you can use our quotes tool above to compare Florida auto insurance companies.

 

How much auto insurance coverage do I need?

The minimum state required coverage listed above is not a lot; it is probably enough to cover one person in a semi serious accident, so you should consider getting more insurance. The least important coverage is collision and comprehensive. Collision and comprehensive coverage isn’t a major concern for most drivers, and most likely won’t be one for you ( Unless you have Ferrari parked in your garage), so the minimum state requirement should suffice. If your car is medium priced ($50,00-80,000) you should consider adding some collision/comprehensive coverage to help off set the costs in an accident.Things you should consider; do you have medical insurance? If you are not covered by medical insurance with your company, you should increase your PIP ( personal injury protection) insurance to at least $20,000 preferably even more. In the end the amount of coverage you need will depend solely on your circumstances and how risk averse you wish to be.

 

How to pick the right Florida auto insurance Company

Florida has ton’s of auto insurance companies, finding the right company that meets your needs is difficult and time consuming. Here’s a few tips when looking for an auto insurance company in Florida. Tip #1 – Advertised rates aren’t set in stone; most auto insurers will lower your premium if you give them a reason too ( such as the tips above). Tip #2 – Don’t go for the cheapest coverage; the minimum auto insurance coverage in Florida is not a lot, you’ll need more! Tip #3 – Bigger insurance companies may be more costly, but they bring more value than smaller companies. Big insurance companies are usually speeder in resolving issues, and have options at there disposal then smaller companies.

 

What are the average auto insurance rates in Florida?

Like all states average coverage rates will depend on many factors; such as the driver,car and area. The average insurance policy in Florida for 2009 was around $1,750. If you live in a city expect it to be much higher, if you live in a rural area expect a lower rate. The average cost of insurance in Jacksonville for 2009 was $2,350. If your looking to save on auto insurance check out some of our tips below, and our insurance quotes tool.

 

Here’s a few tips to help you get cheap auto insurance in Florida

Tip #1 – Get an anti theft device. An anti theft device can have a big impact on your auto insurance savings. If your car model is prone to theft taking extra precautions can help lower your auto insurance drastically.

Tip #2 – Get good grades! If you’re a student doing well in school you are eligible for major discounts. The discount amount will depend on your grades and on the insurance company. There’s a lot of auto insurance companies in Florida to compare, so use our auto insurance Florida quote tool above to help you find the right company.

Tip #3 – Take a defensive driving course. Getting a defensive driving certificate can help reduce your auto insurance expenses significantly. The auto insurance discount will depend on the company. You can read more about this here: http://www.dmv.org/fl-Florida/defensive-driving.php

Tip #4 – Stop paying by mail. Many insurance companies have begun charging you a fee for sending you physical copy of your bill. If you want to save your money and time it’s best to setup an online payment method; this will save you time, money and help the environment.

 

Read the tips and now your ready to get your Florida auto insurance quote? Great! Enter your zip code above to get started. Our tool will list the best auto insurance companies in Florida for you. All you need to do is fill in the required information to get your quote. Get cheap auto insurance in Florida in under five minutes! Need more information? Check out some of our articles on the left sidebar, to help you make sure you get the insurance that’s right for you. You can learn more at the official Florida