Cheap Car Insurance in Florida(FL)

Cheap Car Insurance in Florida(FL)

When searching for cheap car insurance in Florida quotes online, here are a few things you need to know about the state’s requirements as well as what may affect the prices.

Florida(FL) Car Insurance Requirement

While finding cheap Florida car insurance is the ultimate goal, make sure not to break any laws. The state of Florida requires the minimum car insurance coverage to cover $10,000 for PIP, or personal injury protection, and $10,000 for PDL, or personal damage liability. Without this coverage, you are cannot legally drive in Florida. And if you hear the term “Florida Coverage,” it simply means that the insurance company that issued your policy is licensed by the Florida Department of Financial Services.

Weather Affects Car Insurance Prices in Florida(FL)

There are many things that can increase the price of car insurance—driving a fast car, a history of reckless driving or living in an unsafe area. For Florida residents, weather is one of the main factors in affecting the car insurance prices. While finding cheap car insurance in Florida can be done, the threat of weather is a constant problem for car insurance companies. Because hurricanes and other tropical storms bring in large amounts of rain and wind, people are far more likely to have accidents or car wrecks while driving. And even off the road is a danger during many seasons. Flooding or damage from debris or falling trees is another area that can increase prices. Living off the beach with a sturdy garage will make car insurance cheaper in Florida.

Car Insurance Prices in Florida Can Be Affected by Past Accidents

Yep, sometimes those fender benders or old car accidents sneak up on you. Depending on the type of accident and extent of the damage, the state of Florida may require you to purchase additional coverage for bodily injury. While this is not always a requirement like purchasing coverage for personal damage liability and personal injury protection, it is something that can affect finding cheap car insurance in Florida.

Strict Drinking Laws Reduce Car Insurance Rates in Florida

 Because Florida has some of the strictest laws when it comes to drinking and driving as well as underage drinking, car insurance can often be cheaper for those who abide by these rules. However, breaking them will definitely cost you. Rules include:
•   Refusing a breathalyzer, blood or urine test results in a one year suspension of license.
•   Zero tolerance for drinking under 21 years old.
•   If a person under 21 is caught with 0.02% alcohol content, the license will automatically be suspended for six months.
•   To earn a permanent drivers license, one must take a three-part licensing program and test.

Other Facts on Cheap Florida Car Insurance

 Here are a few other things you may like to know about Florida car insurance.
•    Florida offers no fault car insurance.
•    The 2010 average Florida car insurance premium was $1,665. The national average was $1,552.