Florida is actually much more affordable than most states when it comes to automobile insurance. If they want to drive on public roads in Florida, they will need to purchase this insurance.
You can legally drive your car in Florida if there is $10,000 of Personal Injury Protection coverage (PIP) and $10,000 in Property Damage Liability coverage (PDL). The state can make you buy Bodily Injury Liability insurance (BIL) if your driving record includes a collision or other traffic violations.
What is the minimum coverage? It doesn’t cover much.
Personal Injury Protection (PIP) – Covers medical expenses for any person in your vehicle in the event of a collision, regardless of who is at fault. You should know that $10,000 of insurance coverage won’t cover the cost for a scratch on someone’s arm or any other serious condition if you have been to a doctor in the last year.
Property Damage Liability (PDL), insurance covers damage to the car or other property caused by a crash.
Another reminder that $10,000 won’t be enough to replace a bumper on most of today’s high-priced cars is not even close.
Bodily Injury Liability insurance (BIL), covers medical expenses for anyone in another car in case of an accident. If you are sued after an accident, this insurance will pay for certain legal costs. Consider the rising medical costs and why you might want to have as much BIL coverage as possible. This is especially important if you own a home or other assets that could be lost in the event you are sued.
You will need two additional insurance policies to ensure that your vehicle is repaired or replaced in an accident. A comprehensive and a collision policy are required.
Collision insurance covers your vehicle in case of collision with another vehicle, or with a stationary object such as a tree, light post, or guardrail. Your collision policy will pay for the repair of your automobile if your vehicle’s engine is still running or your vehicle is moving during an accident.
Comprehensive insurance will cover the repair or replacement of your vehicle in case it is damaged due to an “Act of God”, such as a tree branch falling on it during a storm, or vandalism. Comprehensive insurance covers you in the event that you are hit by a deer, or any other animal that causes damage to your vehicle.
In Florida, what are you looking for in an automobile insurance quote with full coverage?
Personal Injury Protection (PIP), insurance
Property Damage Liability (PDL), insurance
Insurance for Bodily Injury Liability (BIL).
oCollision Insurance
oComprehensive Insurance
You now know what you should look for in an automobile insurance quote that offers full coverage in Florida. You should consider the risk you are taking each day, the cost of the insurance you want to purchase and your assets.
Finding the best price on full-coverage automobile insurance in Florida starts with deciding what you want and then comparing prices from all the Florida insurance companies. You can do this by comparing automobile insurance quotes online.
Keep in mind that no single comparison website can compare all the Florida automobile insurance companies. You will need to take the time to do your research on at least three different websites.
After you have done this, you can simply choose the best price. Have fun hunting!
