Florida Auto Insurance Quotes

If you are new to Florida or simply new to looking for Florida auto insurance companies, you will have to understand where to find Florida auto insurance quotes that will be best suited to your needs. You can get auto insurance quotes from any company offering them, but if you do not understand the rules you could end up getting insurance that does not meet your needs. It is even possible you could get ripped off.

Florida Insurance Law

In Florida, you cannot purchase auto insurance from just any company offering it. If you are insuring a vehicle with four or more wheels, the company has to be licensed by the Florida Department of Insurance. As with most states, if you do not carry insurance on your vehicle you are subject to fines and removal of driving privileges. In Florida, if caught you are subject to having your tags and registration suspended for three years or until proof of an allowed auto insurance policy is provided. The fines can range from $150 to $500.

Florida Minimum Coverage Requirements

Every state has their own rules and requirements regarding minimum insurance that must be carried per vehicle. When you are getting auto insurance quotes, it is important to understand what you have to carry before deciding what all you need.

As a minimum, you must have:

• $10,000 in personal injury protection
• $10,000 in property damage liability
• If you have ever been involved in a crash or convicted of a traffic offense, you may be required to have bodily injury liability

The minimums in Florida do not include compensation for your vehicle if you have been proven at fault, so it is a good idea to look into added something like this to your policy. There are other insurance options that may be better suited for your needs that you should consider before selecting a policy. Looking into these options before obtaining insurance quotes is important. Also become familiar with the available discounts so you can ensure you are getting the best possible price.

There are companies online that provide individuals the opportunity to compare auto insurance quotes in order to narrow down their options and get the right insurance for them. They make the whole ordeal simple by contacting various companies and getting quotes for you. This saves you the time from having to call or contact various companies on your own. It may also save you money since many of these companies will know they are competing and will try to offer you their absolute best rate for your situation.