Find Low Rates On Auto Insurance In Florida

With its warm climate, dazzling coastlines, and beautiful scenery, Florida remains a popular place to vacation, live, and retire. In the contiguous United States, Florida has the longest coastline, spanning roughly 1,350 miles. While Florida ranks 22nd in the country in size, it is the fourth most populous state in the U.S.-more than 18.5 million people call Florida home. Florida has a nice mix of small towns and sprawling urban areas. Its largest city is Jacksonville, followed by Miami, Tampa, and St. Petersburg. With so many people living in a relatively modest space, Florida's roads are especially prone to traffic congestion. If you are a resident of Florida, protect yourself from the perils of the road with a top-notch Florida auto insurance policy.

A Florida car insurance policy will give you peace of mind as a driver and allow you to comply with the state auto insurance laws. Whether you're searching for your first Florida auto insurance policy or are simply looking for a new carrier, this is the place to do it. We provide one-stop-shopping for drivers in need of Florida auto insurance quotes. When you select your town or county from the dropdown menu below, you will see free customized Florida car insurance quotes on the coverage you need. These quotes will not cost you a dime, nor are you under any obligation for viewing them. We have teamed up with the most respected insurers around to bring you the most competitive quotes on Florida auto insurance online.

Most of our visitors like to conduct some research before purchasing a Florida car insurance policy. If that is the case for you, you will not find a site with more comprehensive and relevant information on Florida auto insurance policies. We have done all the research for you, from explaining Florida car insurance laws to reviewing national providers. Whatever you would like to know before you request your free Florida car insurance quotes, you can find in seconds on this page. Read on to see the information we have to offer and request your complimentary quotes by using the dropdown menus anywhere on this page. If you have questions, you can get a hold of us using the toll-free number provided at the top of the page.

Like those of most other states, Florida car insurance laws require drivers to carry minimum levels of liability protection. However, Florida is unique in that it is a no-fault state, which changes its insurance requirements substantially. A no-fault system means that your insurance company must pay injuries in an accident regardless of who was at fault. Florida auto insurance requirements include a minimum of $10,000 of property damage liability protection and $10,000 of personal injury protection (PIP) coverage. For additional information, get in touch with the Office of Insurance Regulation in Tallahassee by calling (800) 342-2762 or visiting their website.

PIP coverage, specified in Florida car insurance requirements, offers special protection to policyholders. Not only will PIP coverage provide benefits to the insured as a driver in a covered accident, but also if the policyholder is injured while in another person's vehicle or while walking or riding a bike.

PIP benefits will also extend to the child of the insured if they are injured on the school bus, passengers in the vehicle who do not have PIP, members of the insured's household, or guest drivers operating the insured's vehicle with permission.

Although not required by Florida auto insurance laws, most insurance companies suggest that drivers carry comprehensive and collision insurance in addition to liability protection. These coverages will pay for damages to the covered vehicle in an accident in which the insured was at fault. Collision covers accidents involving other vehicles or property, while comprehensive coverage pays for damages related to weather issues, theft, vandalism, and so on.

Again, although Florida car insurance requirements do not include uninsured/underinsured motorist protection, purchasing this coverage is still strongly recommended. Uninsured motorist coverage will protect you in the event that you are involved in a hit and run or an accident with a driver who either does not have liability insurance or whose insurance limits are too low to pay for your damages and injuries.

Many Florida car insurance companies will offer the added bonuses of rental insurance, gap coverage (which pays the difference between the value of a vehicle and the amount remaining on its lien if the vehicle is totaled), and reimbursement for towing services.