subject: Shopping for Florida Auto Insurance Quotes [print this page] Drivers can find many options for low cost Florida auto insurance on-line, but there are a few things to know beforehand. First, it is necessary to have the following information: make and model of the vehicle; VIN, or vehicle ID number; birth dates of all drivers and their drivers license numbers. Drivers are legally required to provide information about any prior violations, as well. Although most companies in the state provide insurance for high-risk drivers, these policies are obviously more expensive. Any driver who has had a license revoked in the past or who has a license that is currently suspended will find it more difficult to buy insurance. However, it is still possible to do so.
In order to make sure that accident coverage is sufficient, it is necessary to understand Florida auto insurance laws. While they are fairly complicated, a knowledgeable agent can explain the intricacies of each kind of policy. Since Florida has no-fault laws, each party involved in an accident is liable for his own medical and personal injury expenses. There is also a limit on the amount another driver can be sued.
Florida auto insurance companies provide various combinations of injury protection and property damage liability. All drivers are required by the law to carry at least $10,000 of property damage coverage and at least $10.000 of personal injury coverage. If a driver cannot afford insurance, most companies will adjust quotes accordingly until a compromise that provides sufficient coverage with as many as possible benefits can be reached. Providers of Florida auto insurance have the legal right to refuse to cover any driver who they consider to be too high-risk. Operating a vehicle without insurance is a serious offense that carries stiff penalties.
In order to reduce monthly premiums, some drivers choose to increase their deductible or to exclude some benefits. By merely comparing prices, drivers may be able to find considerable savings. Careful thought to ensure adequate coverage in a variety of scenarios is crucial. While a minimum deductible may keep the driver's license from being taken during a traffic stop, it may not be enough to pay for the expenses in a more serious accident. The easiest way to compare the prices and benefits of different policies without pressure to buy is to shop on-line.
Add-on options may vary from one insurance provider to another. An agent can explain these differences and clarify the various options, such as liability for bodily injury, under-insured/uninsured, collision, and comprehensive. A quote for roadside assistance may be well worth considering. Shopping for a new policy (with lower prices, excellent service, and better options) before the current policy expires allows time for research and negotiation. Just because an insurer is well-known or popular does not mean that it is the best choice for your auto or your wallet. On the other hand, the best quotes from a less than reliable insurer can lead to misery if the company refuses to handle your claim when you need them. Shopping wisely and carefully comparing your Florida auto insurance rates will pay off in the long run.
Shopping for Florida Auto Insurance Quotes
By: Todd Meyers
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