Each state has their own laws governing the type of insurance their drivers need to have. Florida is no different. The state requires a minimum insurance of $10,000 in personal injury protection and $10,000 in property damage liability. Florida auto insurance quotes may be obtained in a variety of ways. Residents may go directly to an agent and speak with them in regards to rates, but one of the easiest ways to get a quote is online.

Insurance rates vary based on the age of the driver, their home zip code, how many previous accidents they have been involved in and what type of insurance needs they have. In some cases, if defensive driver courses have been taken, this may also affect rates, especially when it comes to teen drivers. Having safety features added to a vehicle affect costs, too. Car alarms and tracking systems are figured into the total plan and count toward lowering prices.

Though we want to get the cheapest policy rate possible, this is not always the best way to go. Sometimes little things such as customer service and claim payment record can be the reason why one chooses to go with an insurance carrier that costs a bit more. Smaller carriers will often have the better deals. Check out their standing with the Better Business Bureau and other consumer watchdogs to insure they are as reliable as the larger companies.

The first thing to do before researching carriers is to check with friends and family. They may have had an excellent relationship with their insurance company and can refer you to an agent. If any of them have had occasion to really need their services and found them to be lacking, they will also let you know of whom to steer clear.

There is something to be said for having more than one car to insure or homeowners’ and renters’ insurance. They may qualify drivers for an instant discount when all are bundled under one carrier. Before bundling make sure it is in fact, cheaper. Add up the total quotes from other companies before signing on the dotted line.

Just because the minimum is required does not mean that is what one wants. Some will choose to add extra protection to their policy. This is where a company that appeared to be cheapest may start to look a little less so. Obtaining Florida auto insurance quotes are quite simple when armed with a better idea of what you need.

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Category: Finance/Insurance
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