Florida Auto Insurance

"Being insured is the law in Florida"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the province of Florida.

• What does the law say pertaining to minimum insurance coverage in Florida?

Florida has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Florida, you can obtain your learner’s permit at fifteen and your full license at eighteen.

To adhere to Florida's auto insurance rules, you must...

In Florida, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Florida requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Florida, you must have third party liability insurance for bodily injury with each person allowed $10,000.00, up to maximum of $20,000.00, as well as an additional $10,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Florida, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Florida:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Florida.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Florida

Auto Insurance FAQ

Question: Do i need to be a Florida resident to have Florida auto insurance?
I live in MA but go to college in FL and im looking to buy a car and tag it in FL. Do i need to be a florida resident to get florida auto insurance?

Answer: Insurance is not tied down to a state or location you live in. You purchase insurance to cover the vehicle no matter where you drive or live.

Question: Florida Auto Insurance Quotes Online, are they really safe?
Florida residents do you really think entering all your valuable personal information online for an auto insurance quote is really the safe way to obtain auto insurance? A local personalized auto insurance agent who you can pick up the phone and call or stop by their office sounds so much safer and personal.

Answer: I am a resident of Miami Florida and I can tell you first hand to be very careful entering any private information online. I have recently had my Identity stolen from entering my personal information which had to include my social security number for a free online auto insurance quote. Never again will I so easily be swayed to enter my personal information into the world wide web for all to see. My thoughts, there are people who can hack into anywhere online, do yourself a favor and try to limit the information you submit onto the web. I now currently have my florida auto insurance with Florida Auto Plus Insurance out of Miami Florida 1-877-WIZ-AUTO They have been awarded Top Auto Insurance Agency in Florida. Check them out at http://www.FloridaAutoPlusInsurance.com Beth do yourself a favor and which ever company you choose to purchase your Florida Auto Insurance from just be sure you speak with a knowledgable auto agent who can fully assist you in purchasing only the insurance that fits your individual needs.

Question: Does my Florida auto insurance go down when I turn 18?
I have State Farm insurance and I'm in the middle of a lawsuit, raising my insurance. Does anyone know if my insurance will decrease with my 18th birthday?

Answer: For car insurance the fastest method to get a cheap quote is do a policy comparison. Be sure to choose the same coverage amounts, you can get an accurate quote to compare against others. Use the same coverage area, car make and model, mileage and driving history to make sure you get an apples to apples comparison. To get easy auto insurance quotes, go to http://www.goodinternetdeals.com/Auto-Insurance.html and you can compare all the major auto insurance companies.

Question: What kind of coverage do I need(required) and optional(not required) in Florida for auto insurance?
I own a 1997 Toyota Avalon, which I only paid $5,000 and is not worth more than that! I own the car out-right, no loan on the car. What kind of insurance do I need on the car, required by the state of Florida? And what insurance should I get to protect my assets, or just in case of accident, ect(but that is not required)?

Answer: For auto insurance the quick method to get a cheap quote is do a auto policy comparison. If you choose the same coverage levels, you can get an quick quote to compare against others. Use the same zipcode, auto make/model, mileage and driving history to ensure you get accurate comparison. To get fast auto insurance quotes, go to http://www.autoadviceonline.com/Auto-Insurance-Quote.html and you can compare the major auto insurance companies.

Question: Do I really need auto insurance in Miami Florida?
Auto insurance is really expensive, do I really need it? I live in Miami, Florida and prices on auto insurance are through the roof. Can I get in any really serious trouble if I drive without auto insurance for a while until I can actually afford it.

Answer: Yeah the prices are insane over here but it is very important that you have insurance, if not you could get into trouble say there is a reckless driver and you have an accident, you need help or say you are stopped by a cop, you cold get into trouble for not having insurance.Try this, it helped me save a really substantial amount of money. I used to have Allstate but I felt they were ripping me off I had all these stupid plus stuff I was paying for and didn't even need it, so I heard that Geico was less expensive so I gave them a call after checking them out online. I got the minimum coverage with them and I am saving a lot of money! you should check it out or see if your company can give you a downgrade and. say instead of covering a certain amount of money you can get them to cover less and it will be cheaper. But be sure to do this if you have caution when driving and dont srive like a crazy person. Try not to get any fines or into any accidents and that will keep the rates lower.

Question: i need to find dirt cheap florida auto insurance with low down payment?

Answer: There are tons of places where you can get an online quote. http://www.autoadviceonline.com/Auto-Insurance-Quote.html It only takes a few minutes to do.

Question: Florida auto insurance....?
I am moving to Florida and am at a loss as to how to start looking for auto insurance. Can anyone tell me some of the less expensive auto insurance companies are? Also, what is the minimum $ amount required for collesions/injury?

Answer: I have been a Progressive customer for 12 years, since I started driving. They have always been very good with customer service and price is comparable. Just remember the cheapest insurance may not be the best. You get what you pay for in the end.

Question: Florida Auto Insurance Laws what's the deal with the minimums?
Florida Auto Insurance Laws seem a little scary to me. Is it correct that Florida only requires 10,000 and 10,000 for minimum coverage? I was in an accident in a state with 25,000 & 50,000 for the minimums and even though I was not at fault I ended up still owing 40,000 after the insurance paid the full policy. It was explained that if all you carry is the minimum coverage than that's what you get...How can it be only 10,000 & 10,000 in Florida?

Answer: Hello Beth, You are indeed correct about the minimum mandatory coverage in Florida being 10,000 (Personal Injury Protection) and 10,000 (Property Damage Liability). Each states legislature determine the auto insurance laws for that particular state. Every auto insurance policy carries a provision that increases the coverage on your policy to comply with the minimum of the state your driving in. As long as you have a valid auto insurance policy you can cross state lines and be in compliance with that states minimum requirement. Besides the minimum mandatory requirement in Florida (No Fault Law) there is another law in Florida you should be aware of called the Financial Responsibility Law. This law states that a driver who carries 10,000 per person and 20,000 per accident of bodily injury liability, in addition to the minimum mandatory No Fault, is conducting themselves in a financially responsible manner. If your at fault in an accident, causing injuries, and are in compliance with the Floirda Financial Responsiblity law the state will take no adverse action against you, such as suspending your license until you pay the injured party. This in no way means that the injured party couldn't sue you for more than the insurance you carry but the State of Florida will leave you alone. From your own personal experience you can see that being in compliance with Florida's No Fault and Financial Responsibilty Laws does not adequately protect you if you're in a serious accident. Higher liabilty limits as well as uninsured motorist coverage should always be carefully considered when purchasing an auto insurance policy.

Question: How can I renew my auto insurance in the State of Florida?
My six month policy is due to expire next month and I need full coverage for my 2004 toyota corolla. I have never had to do this before, any tips or anything I can do as far as renewing my auto insurance in the state of florida?

Answer: Where did any of you read anything in the question about moving to Florida? Not even implied in the question. You will get a renewal notice and a bill shortly before your policy is due to expire, anywhere from 2 weeks to 30 days before. Just pay the bill and it's renewed. If you don't get a notice, call your agent.

Question: Has anyone heard of Auto Plus Insurance of Miami Florida? I have heard they are the Best in Florida.?
Has anyone heard of Auto Plus Insurance out of Miami Florida? I have been told several times that they provide the best customer service at the most affordable price. I am moving soon to Miami Dade Florida and my current auto insurance company doesn't provide insurance in the state of Florida. I prefer a small family owned and operated auto insurance agency that I can actually pick up the phone and speak with my agent not get a automated system trying to talk to me. Can anyone help?

Answer: Hi Scott, I just recently looked into Auto Plus Insurance in Miami, and they are by far the most professional and detailed than any other company I called, they told me what I needed and why I needed it. And they were cheap. With the added bonus of being really careful about making sure I did not have too much or not enough insurance in Florida based on the cars I own. They even spoke to me about insurance for my boat. Which saved me a lot of money. I would agree with what you have been hearing.. Best of luck Scott and welcome to Miami

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