How To Find The Best Florida Car Insurance Companies
When dealing with Florida car insurance companies
, ensure that any quotes given provide the minimum coverage required by the state. Each state in the USA has varying requirements when it comes to vehicle insurance. Before we focus on insurance companies, let's establish what Florida legislation requires.First of all, any vehicle with four wheels has to be insured with a company that conforms to the requirements of the Florida Department of Insurance. Anyone who fails to carry vehicle insurance will have their registration and driver's license suspended for as long as three years. This period may be reduced if a valid insurance policy is presented. Furthermore, failure to insure a vehicle can carry hefty fines between $150,000 and $500,000.
The Florida law requires the following minimum coverage: $10,000 for Personal Injury Protection and $10,000 for Property Damage Liability. If you have been involved in an accident, or convicted of a driving violation, you might also be required to carry Bodily Injury Liability. Florida auto insurance requirements don't include any form of compensation for the insured person's car in the case of an at-fault accident.
Florida follows the No-Fault system. This means that the insured person can be compensated by their insurer for any injury that results from an accident, no matter who was found to be at fault. The objective is to reduce the number of protracted court hearings, and to ensure that the injured person is compensated.
Finding a reputable company in Florida is not a difficult task, especially on the internet. The nice thing about shopping for quotes online is that you can have as much, or as little, interaction with an insurance agent as you want. It is advisable however to approach companies that have toll-free numbers so that you can call if you need more information.
While you are asking for quotes, make sure you have certain information on hand. You will need to provide the name and age of the driver; the year, make and model of the vehicle; and the garage address of the vehicle. Regarding deductibles and the amount of coverage needed, supply the same information to each company. This will ensure that you are comparing apples with apples.
When you have several quotes that are suitable, you should check out the credibility of each company. You can do this by asking your favorite search engine to look for 'ratings Florida car insurance companies'. Any company with an A rating can be considered reputable. Stay clear of B rated companies. They might offer cheaper rates but their credibility could be suspect.
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