Shopping for Florida Auto Insurance?
May 25, 2023
Want to make sure you have the right amount of auto insurance but don't know where to start? Figuring out how much coverage you need as a Florida driver can be tricky. So, let’s break it down.
As a resident of Florida, you should be familiar with the state's no-fault laws, which require all drivers to have minimum auto insurance protection for medical expenses and accident-related damages.
Operating a vehicle in a no-fault state means you need insurance regardless of who’s at fault for an accident and must show proof of coverage for personal injury protection (PIP) and property damage liability (PDL). When you register a car in Florida, you’ll need to show proof of coverage for a minimum of $10,000 for PIP and $10,000 for PDL.
Nsurance Nation Can Ensure You’re Protected
In addition to your PIP and PDL minimums, there are other things to consider when purchasing auto insurance protection, like your finances, the value of your car, and your driving habits. Keep in mind that adding comprehensive insurance covers unexpected damage, while collision insurance protects you against accidents with other vehicles and objects.
Listed below are some extended coverages that can help you determine if you are fully covered* as a driver residing in the state of Florida:
- Liability insurance, the most basic type of auto insurance, covers damage you cause to other people or property in an accident. In Florida, you are required to carry at least a minimum amount of PDL. However, it is a good idea to carry more, especially if you have assets to protect.
- Collision insurance covers damage to your own car if it is involved in an accident. Collision insurance is not required in all states, but it is a good idea to have it, especially if you have a newer or more expensive car as it helps cover the cost of repairs if you collide with another vehicle or object.
- Comprehensive insurance covers damage to your car from events other than accidents, such as theft, fire, and vandalism. Comprehensive insurance is also not required in Florida, but it is a good idea to have it, especially if you live in an area with a high crime rate.
- Uninsured motorist insurance protects you for damages to your vehicle if you are involved in an accident with the one in five drivers (a 20% chance) in Florida who are driving with no auto insurance coverage or are severely underinsured, which are startling numbers. It also includes hit and runs.
Liability coverage is a no-brainer, but you might also want to explore collision and comprehensive coverage. While collision and comprehensive auto insurance aren't required in Florida, they help protect you from damage caused by accident with uninsured (or underinsured) drivers on the road as well as vandals and natural disasters.
*NOTE: Full Coverage isn't an official type of insurance but is instead used to describe a collection of coverages that provide you with adequate protection for most situations based on your specific needs.
Benefits of Working with an Independent Agent
Working directly with an independent agent at Nsurance Nation does not cost you anything and can identify savings with competitive quotes from multiple insurance carriers. Our independent agents can work directly with you online or sit down with you in person to discuss your specific needs for protection, including how bundling your coverage can save time and money.
Many of our customers say they prefer to work with our independent agents because they have more options to meet their specific financial needs. If your car doesn’t have much in the way of cash value or you have a restricted budget, the independent agents can find affordable options for low-income drivers at Nsurance Nation.
With access to multiple carriers who provide auto insurance coverage to Florida drivers, our independent agents can find you the right limits at the most competitive rates, even if you need to carry additional insurance based on your financial exposure. Unlike captive agents who only sell their company’s products, our agents work with what you can afford, including gap coverage for auto loans.
If you're still not convinced that auto insurance is essential, consider this. Driving without insurance is illegal in Florida and can result in license suspension and other penalties. Plus, if you don't have enough insurance to pay for the damages you caused in an accident, you could be sued and forced to pay out of pocket. Contact Nsurance Nation to find out what discounts our insurers offer and how to get the best deal possible despite any blemishes to your driving record.
