Florida Auto Insurance Basics

Find out what you need to know before obtaining Florida car insurance
By Autumn Rivers, Lead Copywriter Webflo Studios You can find auto insurance in Florida from several insurance companies. Whether you need to insure an entire fleet of business vehicles or just one car, it is crucial to determine which company offers the best plan for your specific needs. Before you even start searching for auto insurance, it's useful to know Florida auto insurance basics, like your state's minimum requirements. Being insured for higher amounts decreases your chances of being forced to pay out-of-pocket expenses for an expensive accident.
 

Many factors can affect the Florida car insurance coverage you need and how much it will cost each month. That's why it's important to keep the following in mind:

1. Know the required information before trying to obtain an accurate quote.

2. Find out how much insurance you need.

3. Obtain and compare quotes from several Florida auto insurance companies.

Know the information you will need before obtaining car insurance in FL

Prior to seeking quotes or more information on car insurance, you will need to know certain information. Many companies will ask for your vehicle make, model and year before offering you insurance, so be sure you know this information. Your address, particularly your zip code, also plays a part in how much your premium will cost.
Try: Allstate requires a zip code before offering a quote for auto insurance, and Florida Insurance Center requests the year, make, model and other basic information prior to giving an accurate quote.

Obtain the right amount of Florida automobile insurance

Before accepting any insurance plan, you need to know exactly how much coverage you need. When it comes to car insurance, Florida requires a minimum amount for every driver. The minimums are 10/20/10, which means that you are covered up to $10,000 for each individual injury in an accident, with $20,000 allowed per accident, while the total that insurance would pay for property damage is $10,000. If you are leasing a car, you will need to pay for more coverage, which your lender will make you aware of.
Try: Find information about the basic FL auto insurance requirements and get quotes at the same time from CarInsurance.com and Florida Auto Insurance 360.

Find quotes from companies that offer car insurance in Florida

Many companies provide convenient forms for you to fill out on their websites when seeking a quote. Simply fill out basic information regarding your insurance needs, and you can often receive a quote back the next day. This allows you to price shop and compare different Florida insurance companies without ever leaving your office.
Try: The Florida DMV website allows users to obtain up to six quotes from auto insurance providers simply by entering in their zip code. Calculateme.com also provides a Florida car insurance quote simply by entering a zip code.

• If you get caught without basic auto insurance in Florida, your driver's license and license plate can be suspended for up to three years. You will also have to pay up to a $500 fee to reinstate your license, so you are definitely better off financially if you purchase the minimum insurance or better.