Automobile accidents can result in thousands of dollars’ worth of damages and medical expenses, which is why all Florida drivers are required to buy a minimum amount of car insurance. Being ill-prepared for a collision could lead to heavy financial losses, making it essential for vehicle owners to consider purchasing auto protection that goes above and beyond the basic state requirements. To get an acceptable policy at an affordable price, drivers should shop around and explore all of their options.

FL vehicle owners are required by law to maintain car coverage that includes at least $10,000 of personal injury protection (PIP) and $10,000 for property damage liability.

To get the auto insurance Florida residents need to be adequately protected at a reasonable price, motorists should shop around and compare quotes from several different companies. FL insurers rate individual drivers differently, which means that prices are likely to be different depending on the person and the provider. Residents should begin researching their options by viewing dozens of estimates at once on the Internet with a quick online quote comparison.

Buy Additional FL car insurance

There are several cost-effective ways for FL vehicle owners to improve their coverage. One of these methods involves improving upon the PIP and property damage limits mandated by the state. PIP covers injuries sustained by policyholders, their children, members of the same household, and certain passengers after an accident regardless of fault, but only up to the limits of the policy. If a driver sustains injuries that surpass the minimum $10,000 limit, they may have to pay for any remaining expenses out of pocket. Similar hazards exist for property damage coverage, which pays for other parties’ physical damages that the policyholder is responsible for.

Although Florida’s No-Fault Law requires only relatively low limits, residents are encouraged to pursue auto insurance that includes higher PIP and property damage thresholds and additional protection. Often, raising the limits on a plan can be done for only a few extra premium dollars. However, the required coverages still do not cover damage to the policyholder’s own car. To avoid paying for costly repairs, residents may want to consider adding optional protections to their policies.

Some helpful additions that drivers may want to consider are comprehensive and collision coverage. These additions pays for damages to the insured’s own vehicle. Although this will add to the overall price of a plan, drivers can choose to increase their deductible to help lower costs.