Affordable Car Insurance In Florida

Car insurance is one of things that we must have in Florida if we want to drive, but that we absolutely hate to pay for. This is because car insurance is one of the few things in life that cost money and yet you hope you never have to use it. In fact, the odds are that you will pay much more for car insurance over your lifetime than you will even receive in benefits. This is why it is important to find the cheap car insurance in Florida. Why pay more than you have to?

The key to buying cheap car insurance is that you do not necessarily want to find the cheapest car insurance in Florida. This is because the cheapest car insurance is usually the type of insurance that never pays a claim and leaves you stranded should you ever need them to defend you in court. The cheapest is not always the best way to go when choosing car insurance. Maybe we should re-frame this discussion to say that the best thing to do is find affordable car insurance in Florida. Affordable can still be considered cheap car insurance in Florida, just not the cheapest.

In Florida, no matter how much you are paying, you need to make certain you are meeting the legally mandated insurance coverage minimum limits. Just because you are buying cheap car insurance in Florida does not mean the agent is ensuring that you are getting the minimum legal coverage. It is up to you to make certain you are getting at least the minimum coverage. The agent can charge you less than other insurers, give you coverage under the minimum, and then claim he thought you had some other supplemental insurance to make up the difference. Verifying your coverage is legal is up to the buyer, not the agent.

The minimum coverages in Florida are $10,000 personal injury protection and $10,000 property damage liability. These limits apply to vehicles that have a Florida license plate and the policies must be issued by a Florida licensed insurance agent. If you are simply traveling to Florida but are staying less than 90 nonconsecutive or consecutive days within any 365 period, then you do not need to meet the minimum Florida guideline. Though it is advised that you have car insurance that at a minimum meets your home state’s guidelines, and that they also cover you while driving in Florida. If you have your car in Florida for more than a total of 90 days out of 365, or if your vehicle has a Florida license plate, you are required to meet the Florida minimum insurance coverage limits.

This means that if you are a business person who goes in and out of Florida, and the total number of different days that you are in Florida is greater than 90, then you need Florida coverage. This means you need to find an insurance agent that writes policies for cheap car insurance in Florida. You do not want to end up in a situation where you have exceeded the 90 day limit, get into an accident, and then get sued because you were not adhering to the Florida laws. In a situation like this, your primary insurance carrier from your home state may even refuse to cover you because you were breaking the laws of Florida at the time of the accident. This sounds extreme but the fact is that Florida has many travel and tourism destinations. It is not uncommon at all for business people in the hospitality industry to log over 90 total days per year in Florida. These are the people that need to make certain they at least have some sort of cheap car insurance Florida policy to make certain they are covered and compliant with Florida laws.