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Car Insurance in FLorida 101

Car Insurance in Florida Important Things You Should Know

Florida is one of the most popular vacati on destinations in the United States and, with so many people entering the area, traffic is a problem. Heavy traffic means a higher risk of car accidents, and auto insurance policies are more than necessary.

All Florida drivers with registered vehicles must have insurance. But it is important to know that Florida s car insurance requirements are different from the requirements in other states. The first thing you should keep in mind is that, in this state, you have to already have at least the minimum car insurance in order to register your car or get your license plate.

There are two important laws in force regarding car insurance in Florida. One of them is the No-Fault Law and the other one is the Financial Responsibility Law.

No-Fault Law

Under the No-Fault Law, the minimum coverage for Personal Injury Protection and Property Damage Liability is $10,000 for each. This level of coverage pays 60% of lost wages, 80% of medical expenses and $5,000 for funeral expenses. However, if you are involved in a serious and costly car accident, this may not be enough to cover all the bills resulting from the incident. This is why it is a good i dea to opt for higher coverage.

All Florida drivers must show proof of car insurance every time they register. Proof of insurance also must be carried all the time when driving. As for the car insurance companies, they have to notify the DMV every time a policy is renewed or canceled. In Florida, you have to pay between $150 and $500 if you do not have car insurance and you want to reinstate your license.

Also, in Florida have residence a lots of celebrities from Hollywood and a lots of rappers and singers. Drake is one of them, he has a huge house and and many luxurious cars, all insured in Florida state.

Financial Responsibility Law

The Financial Responsibility Law in Florida states that minimum coverage for Bodily Injury Liability must be $10,000 when only one person is involved and $20,000 for more than one person, and that minimum coverage for Property Damage Liability must be $10,000. This law was created to protect both you and other parties if one of the following situations occurs:

  • You cause a car accident that results in injuries to yourself and another party;
  • Your driver s license is suspended because you accumulated too many points;
  • Your license is revoked because you were driving under the influence of alcohol;
  • Your license is revoked because you are a customary offender.


If you are driving in Florida without a car insurance policy and you get caught, you will lose your license for 36 months. As mentioned above, the fees for reinstatement of your license can vary from $150 to $500, depending on your driving history.

These requirements are extremely important, but it is also very important to choose wisely when purchasing a policy. Do some research and get several quotes from different companies before making your final decision. And make sure that you opt for a higher policy to protect yourself, your family and your belongings. If you want read more about Florida insurance regulations please visit this site. Drive carefully!

Tips for Getting Online Car Insurance Quotes Florida

Opti ng for car insurance quotes is the best way to save both time and money, but going from one company s office to another, or even calling them one by one, can be both boring and exhausting. And worse, even after so much work, you still may not accomplish your goal of finding the best value in coverage for your car. So it s essential to learn some important tips to help you get the most from the available options for car insurance coverage in Florida.

Look for auto quotes online.

There are so many car insurance companies in Florida that you probably could not even imagine them all. All of them offer competitive prices and online service, which opens up numerous opportunities both for them and for their potential customers. Comparing rates online gives you the chance to get the best deal from the comfort of your home. This procedure is very profitable for the companies, too, because they can attract many potential clients.

Another advantage of getting auto insurance quotes online is that you can get a good number of responses in a short time, and of course having many quotes will help you make a better decision. Once agai n, it will help you save money. More than that, online quotes are much cheaper than those offered by agents, and saving money is very important, especially nowadays when the economic crisis affects us all.

Physically going from one company to another would take days, but looking for car insurance quotes online can be done in a matter of minutes. All you need to do is fill out an online form, and the responses come back quickly.

Save your money.

There are many important things you should keep in mind when looking for convenient auto insurance quotes in Florida online. Certain factors can affect your rates. For example, insurance premiums are more expensive in big cities than in suburbs. So if you have relatives living in smaller cities, you can save money by using their address when registering your car.

The law in Florida requires drivers to own Personal Injury Protection coverage, which covers any medical bill resulting from a car accident. With this insurance type, you are covered no matter if you are at fault or not. On the other hand, if you do not have this coverage or you have gone without it for more than twelve months, car insurance companies may load you with higher premiums.

Generally, small insurance companies offer higher premiums for Personal Injury Protection coverage than major ones. But when it comes to car insurance quotes, Florida has many large companies offering full coverage at reasonable prices. With so many possibilities, it typically is not hard to find a good deal that meets your needs.

So, getting auto insurance quotes in Florida is actually an easy task. And opting for the online search method instead of going through an agent will help you save both time and money.

  • 2 years ago

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