If you live in the United States, you likely have a car.
Personal auto insurance, more commonly known 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
- 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. Contact us today for a consultation and more information about how we can provide the right car insurance for you!