Florida Auto Insurance Companies

Florida Auto Insurance Companies

As a new resident to Florida, you’ll want to have a good representation of the Florida auto insurance companies so you can find one that best meets your needs at a price you can afford.  In fact, the state requires that if you have a vehicle that has four or more wheels, it must have Florida insurance. You need insurance to register your vehicle with the state of Florida.

Coverage involves two parts, the PDL or property damage liability, and the PIP, the personal injury protection. This is all besides collision coverage, which covers the cost of damages to your vehicle or replacing a damaged vehicle.  The liability requirements are $10,000 for the PIP and $10,000 for the PDL.  If you’ve been convicted of specific driving offences or have been in an accident, the state might ask that you take out bodily injury liability coverage, also called the BIL.

Comparing Rates between Florida Auto Insurance Companies

Most of the automobile insurance companies in Florida are also nationwide auto insurance companies with a license to sell auto insurance in Florida.  Many have websites where you can get a quote without having to talk to an agent.  There is no obligation to purchase any insurance on these websites so you can just line them up and compare their rates in an hour or so.  Some smaller companies have no websites so you’ll have to get a quote over the phone.  In less than two hours, you can have your complete list of compared rates for you to choose from.

There is a website called InsureMe.com that will do all the leg work for you.  You simply have to enter your personal and automobile information once and the site will give you a list of Florida auto insurance companies and their various rates.  You can select from this page and will have your automobile insurance in just minutes.

What Kinds of Insurance are Available?

Remember the personal injury protection, the bodily injury liability coverage and the property damage liability?  There are also optional coverages you’ll need to consider, such as comprehensive coverage, collision coverage and coverage for uninsured or underinsured motorists.  These are not required and can alter the price of the quote quite a bit.  Buy what you can afford and remember that the optional coverages are usually a good thing.

The insurance companies will pay attention to your age, the location you live in, the type of car you are driving and your driving record.  Your credit rating makes a big difference to your rates so make sure you fix your credit rating before signing up for automobile insurance.  Your rates will be a lot higher if you live in a big city that has lots of other cars in it.

Some insurance companies accept a lot of high risk drivers in its fold so the rates for everyone in the company will be higher.  Try to take on a staid, conservative automobile insurance company so that you enter a pool of drivers that tend to have better driving records and fewer accidents.