Florida Auto Insurance Companies

Like with residents of other states, residents of Florida have many insurance options to choose from nowadays. These insurance options often determine whether or not they will receive adequate enough coverage on their important necessities. Those important necessities usually include themselves and their families, their home and their car, if they have one.


About auto insurance


Auto or car insurance from a Florida Auto Insurance Company like FloridaInsuranceQuotes.net, as with other states, is mandatory in the state of Florida. That means that all drivers are required to purchase the minimum amount of coverage allowed by the law, as per the current Florida car insurance laws. When you’re purchasing the ‘minimum amount of coverage,’ you’re usually buying coverage for both personal injury protection and property damage liability auto insurance.


While the coverage requirement can seem a bit much for some Florida drivers, many Florida auto insurance companies do offer low car insurance coverage premiums. These premiums are actually considered some of the lowest in the US. If you’re wondering about what to expect from Florida auto insurance companies, we’re going to review what you should expect if you’re planning to shop for car insurance in Florida anytime soon.


What to expect from auto insurance in Florida


Before you start browsing Florida auto insurance companies, you should know that Florida is primarily a no-fault insurance state. That means that your car insurance company will end up paying for your medical bills to your current policy’s limits, no matter whose fault the accident was caused by in the first place.


As for the minimum coverage limits, those are known to cap off at $10,000 for both no-fault/personal injury protection insurance and property damage liability insurance.


To go more into detail about personal injury protection, that type of insurance will generally cover your medical bills and income loss that are a result from car accidents. It also provides coverage for your dependents (children), non-driving and/or uninsured passengers and yourself, if you’re a bicyclist or pedestrian in a car accident.


As for property damage liabilities, that type of car insurance coverage generally covers you if you happen to cause damage to someone else’s property in a car accident. That include coverage for damages that occur to homes or other buildings.


Options in Florida car insurance


If you can afford it, you have the option to purchase higher amounts of car insurance coverage for your existing PIP and PDL coverage.


Many Florida auto insurance companies also offer more thorough insurance coverage options for people that want or need more coverage. That type of coverage often includes comprehensive coverage, collision coverage, rental car coverage, towing and/or labor coverage and coverage against an uninsured or underinsured motorist.


Comprehensive coverage, to provide some detail, pays for damages to your vehicle that may have not resulted from an accident. Collision coverage, on the other hand, does provide coverage for any accident-related damages to your vehicle. Of course, if you’re planning to get auto insurance within Florida,  it’s always a good idea to talk with Florida auto insurance companies before you sign up for any type of policy.