How to get car insurance in Florida
Florida ranks fourth in the United States, and it is considered as one of the most expensive states to insure a vehicle. So getting car insurance in the state can be an expensive affair, especially when you’re moving there from a state where the rates are much lower and the regulations less stringent.
What makes Florida more costly than the majority of the states in the continental United States, when it comes to car insurance? Well for one, Florida has a high number of senior or elderly drivers it is the retirement capital of the country after all! The state also has no-fault laws which obviously impact car insurance rates.
You will be asked the following details when you’re getting quotes on car insurance, so make sure to have the information ready: zip code, age, marital status, driving record. All the major car insurance companies, like State Farm, Geico, Allstate, Progressive, Travelers, MetLife, and Liberty Mutual, amongst others, offer car insurance in Florida.
It is always better to have more than the state mandated minimum coverage, so here’s what Florida requires as the basic coverage for drivers to insure their vehicles in the state. $10,000 in property damage liability per accident, with $10,000 in personal injury protection are required. The personal injury protection is important to note for a state with a no-fault clause, since this means that whoever is at fault in the case of an accident is irrelevant, and drivers must claim from their own insurance company for personal injury protection.