Florida Auto Insurance Quotes

When you're shopping for auto insurance in Florida, of course you don't want to spend more than you need to for quality coverage. This is why it's always a good idea to shop around and compare quotes from various auto insurance companies before you select the policy that's right for you. Obtaining insurance quotes from at least a few reputable companies will help you ensure you're getting the best value for your hard-earned money.

Important Considerations When Shopping for Florida Car Insurance

When shopping for car insurance in Florida, the first thing you'll want to ask yourself is "how much coverage do I need?" At the very least, you'll need to carry the state minimum amount of coverage for the state of Florida. Specifically, this should include a minimum of $10,000 in personal injury protection (PIP) per accident and $10,000 in property damage liability (PDL) per accident.

Of course, additional coverage may be recommended or even required, especially if you're currently making loan payments on your vehicle. Most auto lenders will require you to carry additional PIP and PDL coverage, as well as comprehensive and collision coverage.
When obtaining car insurance quotes for your Florida vehicle, make sure that you've done your homework regarding how much coverage you're legally required to carry. From there, consider which additional types of coverage you might want to add for your peace of mind and protection.

What to Look for When Comparing Quotes

Once you've obtained a few different car insurance quotes in Florida, it's time to compare them and see what these different auto insurance companies have to offer you. When comparing quotes, it can be tempting to only look at prices. However, it's important to realize that prices depend on the purchased coverages; you will need to take some time and carefully scrutinize each quote to determine which company is offering you the best value for your coverage selection.

When comparing quotes, be sure to take a close look not just at your premium price coverages and length of policy but the deductibles as well. For example, one quote may offer a much lower monthly payment but an extremely high deductible, whereas another company may offer a slightly higher monthly payment but a low deductible. Take some time to consider which scenario will be best based on your current finances and needs.

In addition to deductibles, you'll want to read through the fine print to find out exactly what would be covered by your policy versus what might cost you extra. For example, if you're in an accident and your car needs towed to a repair/body shop, will you be responsible for the cost of the tow, or will your insurance company cover this? What if your car's windshield is busted in a vehicle break-in? Does the policy include comprehensive coverage with no deductible for auto glass repair or replacement?

Finally, be sure to explore any insurance discounts you may be eligible for, as these can vary from one company to the next. By taking advantage of discounts that are available to you, you can significantly lower your insurance premium. And of course, some insurance companies offer discounts that others don't, which is yet another reason why shopping around for car insurance quotes in Florida is such a good idea. From there, you can enjoy confidence when selecting your policy!