Those that live in Florida are going to find that their auto insurance is a bit stricter than other states. The reason for this is that Florida drivers are known for aggressive driving and there are more tickets that are issued in this state than there are in many other states in the US. With that being said, auto insurance is mandatory in the state, and for those that are getting this auto insurance they should make certain that they are carrying at least the minimum coverage. Though, they are going to find that having more than the minimum coverage is going to save them tons of money in the long run if they were to get involved in an accident. There are several factors that the person must consider when getting auto insurance in Florida. For one, they must have a Florida insurance policy that is going to be provided by a company that actually resides in Florida. This is a part of the requirements that the state sets. This should not be a problem as long as the person uses those companies that they find in the state, and they will still find that they can get competitive prices since there are so many companies to choose from.
Secondly, the person will find that the minimum requirements that the state has a bit more lenient than other states, despite the fact that the state has more aggressive drivers and accidents happen. The minimum requirements are $10,000 personal injury protection and $10,000 for pretty damage. With the minimum coverage the person will find that if their car were to get wrecked due to mother nature that they are going to be paying this all out of pocket. This is something that most drivers do not think about however, Florida does get hit by dangerous thunderstorms that produce hail frequently as well as tropical storms and hurricanes. Thus, the person is living in an area in which they could very well see some bad weather that ends up with their car damaged. This is why most people include some other types of coverage’s in order to be sure that they are protected.
Those that live in Florida can expect to pay a bit more for their car insurance than in other states, and the amount that is average is around $1900. The city in which the person resides is going to make a big difference as to how much the person is paying for their auto insurance. They will find that major cities such as Miami have an average of $2300 for the policy period. These areas are more populated and the roads can become more dangerous because of this, thus companies charge more. There are other factors that will affect just how much the person pays for their insurance, including the age and gender of the driver, their driving history and their credit history.
The state of Florida is a No Fault state meaning that no matter whose fault an accident is, your company is going to be paying out for some of the damages up to the specified amount that is included in the policy. This is one of the main reasons why some people have so much insurance since they want to lower the out of pocket expense for these accidents if this is possible. Those that do have a lease or a new car in which they are paying payments on will find that by state law and the lenders law that they have to carry full coverage insurance, thus the amount that they pay is going to be much more than what other people may pay.