Written by jdlash on February 11, 2012 – 9:39 pm
No matter if you live in a quiet city like Jacksonville, or a little busier place like Miami, you can save on Florida car insurance. The fact of the matter is that people in every city of Florida are able to take advantage of shop4insurance and the wonderful service that gets multiple quotes in no time at all. The first thing to do is to review a little information about Florida auto insurance.
Florida is a No Fault State
This is important to understand for many reasons. The first is to make sure you know what coverage you need to protect yourself properly. The second reason is so that you know who to make a claim with when you need to get your vehicle fixed due to an accident. So here is the breakdown of coverage and who pays with each:
Bodily Injury Liability
This covers you for bodily injury or a death that is a result of you being at fault in an accident. Bodily injury will also cover the expense of legal defense. The limit is the amount that you specify when purchasing the policy.
PIP or Medical Payments Coverage
You will be protected for medical injuries in an auto insurance accident under your own policy. In Florida and many other states, this is know as PIP. Personal Injury Protection is the full name. You will not go back on the other driver even if they are at fault in the State of Florida. This is the part of Florida insurance that makes it a no fault state. You would claim the medical expenses incurred with your own insurance carrier.
Property Damage Liability Coverage
If you damage some else’s vehicle, fence post, building, etc… You are liable for the damages in the state of Florida. This coverage is mandatory and getting higher limits then the state minimum requirements is very recommended.
Collision Coverage
This is exactly what it sounds like. This will pay for damages to your vehicle from a collision. The amount you will have to pay out of pocket is called your deductible.
Comprehensive Coverage
You will be covered for theft, vandalism, hail, hitting an animal and many other non collision related incidents under this coverage. You will be subject to a pre chosen deductible with this coverage as well.
This is a basic outline for getting cheap Florida car insurance. It is a basic guideline to help you get started with understanding Florida car insurance. You can get quotes with this information and then take the time to talk to a licensed representative to gather more in depth information.
Our service here will help you get multiple Florida auto insurance quotes and we would love to help you find the
cheapest car insurance today. The quote form takes a few minutes to fill out is all and you will gather quotes from some of the top carriers in Florida.
