Car Insurance In Florida
Readers Question:
I just recently moved here in Florida with my fiance. Since I’m new here there are a lot of things that I dont know about like auto insurance in Florida for one, which I need to get ASAP. Can someone give me an idea about auto insurance here?
Georgina
Tallahassee, FL
Welcome to Florida Georgina!
If you own a vehicle here, then you must purchase auto insurance in Florida with minimum limits of:
$10,000 for property damage liability (PDL)
$10,000 of personal injury protection (PIP)
You are required to maintain auto insurance on your vehicle as long as its registered and licensed here. Also, you must only buy auto insurance coverage from a licensed auto insurance company, broker, or agent in Florida.
For you to shop wisely for your auto insurance needs, its best to make you aware of the factors that affect auto insurance in Florida:
- Your vehicle. If your vehicles value is expensive, your auto insurance premiums will also be expensive
- Your driving records. If you were involved in accidents or had driving violations then you may be considered as high risk by auto insurance providers. Auto insurance rates for high risk drivers are expensive.
- Your vehicle usage. The more you use your vehicle, the higher your auto insurance premiums may be.
- Your gender. Since youre a female driver, you may be given lower auto insurance rates. Believe it or not but female drivers are found to be safer drivers as compared to males.
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