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Cheap Full Coverage Auto Insurance in Florida

updated: Jan. 16, 2016 –

Like all the other states, Florida sets its own standards when it comes to the minimum amount of coverage for drivers. Currently, all motorists must have $10,000 in personal injury protection (PIP) and an additional $10,000 in property damage liability (PDL) in order to drive legally. PIP is what cover yours medical bills in the event of an accident.

Since Florida is a No-Fault state, you do not need to prove that the other driver caused the accident before your medical bills are paid for. This coverage also extends to your children and other members of your household as well as passengers that do not have PIP themselves.

Property damage liability pays for damages done to your property in the event of an accident. However, this coverage does not include any expenses brought on by damages which you caused to another person in an accident. You are still required to pay for those yourself.

The Risks of Florida’s Minimum Requirements

Because Florida has comparatively low minimum requirements for it’s drivers, many accidents restricted by Florida’s legal limits leave the policyholder with a major portion of bills to be paid for out of their own pocket.

That’s why many drivers choose to raise their policy’s minimum limits and add full coverage. A full coverage policy will pay for damages to the policyholder’s property as well as the property of any other person involved in the accident. It will also cover medical bills and will pay out in the event that the car gets stolen or vandalized.

Of course, full coverage auto insurance is more expensive. How much it will cost will depend on a host of variables, but one of them is the limit which each driver sets for their policy. This is the maximum sum that the insurer will pay out in the event of an accident. The higher the sum, the higher the premiums. $100,000 is an average number for full coverage policies in Florida. However, state officials recommend a $300,000 policy.

How to Find Cheap Full Coverage Auto Insurance in Florida

If you would like a high limit policy but are afraid it will be too expensive, the best thing to do is to shop around to see if there are any offers you can afford at the limit level you desire. If all the quotes you receive are still beyond your budget, you can always re-generate new quotes with lower limits until you find limit levels that you can afford.

Just remember, if you are determined to find the cheapest insurance, don’t make the mistake of assuming the company offering the best price at one limit level will give you the best deal at another level. The golden rule of comparison shopping is you must always compare apples with apples. That’s the only way to be sure you are getting the best deal.