personal auto insurance 02Personal auto insurance, most commonly referred to simply as "car insurance" is mandated by the State of Florida as a requirement for all personal-use (noncommercial) vehicle owners. Florida residents pay an average of $1,000 a year for car insurance. However personal auto insurance coverage needs can be very specific, and insurance premium rates may reflect those needs.

Depending on your age; driving record; your vehicle's type, age, and safety features; your city of residence; and other factors you may qualify for Florida car insurance discounts that can amount to significant savings on your annual premium.

Additionally, many insurance companies offer discounts for multi-vehicle policies. They may also offer a reduced rate if you have two or more policies with them. Like with commercial auto insurance, Florida personal auto insurance policies offer several types of coverage, such as:

  • Liability (bodily injury liability insurance and property damage liability insurance
  • Property damage liability
  • Collision
  • Comprehensive (fully comprehensive insurance coverage)
  • Medical payments coverage, and
  • Uninsured or under-insured coverage

Many insurance providers offer benefits like a free courtesy car in case of an accident. Other additional coverage available for Florida car insurance policyholders includes glass replacement and towing. In case of a total loss, many insurance companies now offer you a replacement car of similar type, age and mileage to the one you have lost.