Getting The Right Auto Insurance
As with all states, Florida auto insurance is required of anyone owning a vehicle
. Getting insurance for a vehicle is not a matter of if but a matter of what as in what policy is best for you. Although there is a set minimum amount of insurance you will have to buy, you may also want other types of protection if you feel the minimum coverage does not adequately accommodate your needs. Even if you do go with the minimum, it is important that you shop around to get the best rate possible to fit your needs.The state of Florida follows a No-Fault system, which means the insurance company must pay for an injury claim regardless of whether you are at fault. However, the company will only pay up to a specified amount and in some states you may lose some of your rights to sue. In any case, you are required to have at least $10,000 in property damage liability and $10,000 in personal injury protection coverage. Even though it is not required, you can also get uninsured/underinsured motorist bodily injury coverage in case of an accident with a motorist with no or not enough insurance.
There are many Florida auto insurance carriers that offer packages beyond the Minimum State Requirement package. You may prefer a more wide ranging policy or customize a policy to fit your needs so that you can save on deductibles. You can also check to see if you can get special rates for special circumstances such as a clean driving record, multiple car coverage or other benefits that reward safe drivers. No matter what type of policy you choose it is crucial that you shop around for the best rates on the policy that works best for you.
It is important that you get as many quotes as possible when you shop around for insurance. The more quotes you obtain, the better chance you get at finding the best policy at the best rate that will accommodate your needs. There are many sites that offer auto insurance quotes if you are willing to sift through all the possibilities yourself. Many of these sites may even offer a few free quotes before you have to commit to their services.
You may also consider hiring an insurance broker to go through all those quotes for you and let you choose from among the best in all your options. This is one of the best options for someone new to insurance and not exactly comfortable with the language and process of building a policy. Brokers are directly connected to insurance companies so they get the best and most accurate deals as soon as they are offered.
by: Todd Meyers