Florida Auto Insurance Rates

It is required by law in Florida to get auto insurance for all of the vehicles you own, and for all of the people who will be driving them. The minimum amount of coverage required is about $10,000 for personal injury protection, and $10,000 for property damage liability. Insurance companies will typically cover you for more, especially if you have a good driving record. In any case, it’s important to know the kind of Florida auto insurance rates that you’ll be paying since it comes out of your pocket every month. Most of the major insurance companies make it pretty easy with a way to get a free quote online.

How do I get a quote?

Simply do an Internet search for “auto insurance” and you’ll get a plethora of results. What’s most important is that you go with a company that won’t try to scam you or use your information for nefarious purposes. To this end, it’s a good idea to stay with more reputable companies such as The General, GEICO, Progressive, Allstate, and FloridaInsuranceQuotes.net.

Once you’re brought up one of these companies’ websites, they should have a way for you get a free online quote after entering in your information. They’ll ask for things like how many drivers there will be, how many vehicles, what type of vehicles, driver’s license, etc. Be sure to have this information handy.

What influences the rates?

For the most part, Florida auto insurance rates are heavily influenced by how the insurance company perceives your risk as a driver. If you have any traffic violations or accidents on your record, this will typically increase the amount that you have to pay every month since the company will see you as a higher risk.

Besides driving record, the amount of drivers as well as the type and number of vehicles that you own will also significantly affect the rate. The less vehicles and people you have to cover, the better your rates will be. Sometimes, of course, the higher cost cannot be avoided.

How can I keep it low?

If you happen to have a fairly large family filled with people who can drive and/or own a vehicle, it may be a good idea to start consolidating. Make arrangements so that people share one or two vehicles; having fewer vehicles will help our your insurance rates a lot more than fewer people.

Additionally, driving safely can do wonders for your Florida auto insurance rates. Some insurance companies will even reward you for not getting into any accidents or receiving any traffic violations. Essentially, the lower risk you appear to the insurance company, the better your rates will be.

Other Thoughts

Many of the popular insurance companies start out at very low rates, going even below $20 a month. Typically these kinds of rates apply to individuals with only one vehicle. It will always be higher for families, especially if the family members are allowed to drive the car. This is something that cannot be avoided since the insurance has to cover all of the vehicles and people involved. Regardless, it shouldn’t be too difficult to compare rates on the Internet and find the best one for you.