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Are you looking for affordable car insurance in Florida? Maybe you’ve been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage.
If you’re looking for cheap car insurance in Florida, comparison shopping is key. Rates for the same coverage options differ from one company to the next and are based on personal factors such as your age, driving record and credit history.
Whether you live in Miami, Orlando, Jacksonville, or beyond — all Florida drivers are required to have at least these coverages and limits:
Technically, Florida policyholders can reject bodily injury liability coverage in writing to their insurance company — though it’s not exactly recommended. This coverage can help pay for the other driver’s accident-related medical expenses when you’re found at fault in an incident.
Florida is a no-fault state, which limits your right to sue an at-fault driver after an accident. No-fault coverage (sometimes referred to as personal injury protection) applies to medical expenses after an accident (and not to damaged property).
If you’re injured in a covered accident, personal injury protection can pay up to 80 percent of your injury costs, and up to 60 percent of lost wages if you can’t work due to injuries caused by the accident. If you’re unable to perform regular household tasks, PIP can also help pay for substitute services like cooking and cleaning.
In spite of the no-fault moniker, drivers can still sue an at-fault driver for medical expenses after serious accidents in Florida. Lawsuits can be filed if the accident resulted in permanent or fatal injuries or disfigurement. Bodily injury liability coverage can financially protect at-fault drivers if a lawsuit is filed, but only up to the limits you choose on your policy.
These optional coverages will give you extra peace of mind and added financial protection in the event of a claim:
Just another way technology makes our lives easier — Sunshine State drivers can provide digital auto insurance ID cards as legitimate proof of coverage under state law.Â
The Insurance Research Council estimated that a whopping 23.8 percent of Florida drivers were uninsured in 2012. That was almost double the national average of 12.6 percent.
Uninsured motorist coverage is an optional policy addition that helps pay injury and property damage costs for you and your passengers if you’re ever involved in an accident with an uninsured or underinsured motorist.