Auto insurance in Florida

Florida auto insurance can be quite expensive some times, especially when you don't bother shopping around before buying a policy. But if you really want to get cheaper auto insurance in Florida this page is just the thing you need to get better rates. No matter where your car is registered, Miami, Orland, Tampa or any other place in the beautiful state of Florida, we will help you find the most competitive and attractive Florida auto insurance deals from the best providers in your area. This page is dedicated entirely to the most helpful information and the best quotes on Florida auto insurance. So don't waste your time and find a good policy with the help of our site!

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If you have any particular questions in regard to Florida auto insurance or want to ask about a specific regulation or provision, it is highly recommended that you call the Florida Department of Financial Services at 800-342-2762 and address your questions there. But before you do that, make sure that you have learned all the basic provisions concerning auto insurance in Florida presented on this page.

Before you start looking for an auto insurance policy, you have to learn the types of insurance coverage that is mandatory in the state of Florida. Here are the compulsory types of auto insurance in Florida and the minimal amounts you policy should cover in order to be valid:

Starting at $10,000 in Personal Injury Protection (PIP), which pays for your medical expenses no matter if you were at fault of the accident or it was the other party responsible. This coverage will pay for the medical costs, lost income, care and even death benefits resulted from the accident.

Starting at $10,000 in Property Damage Liability (PDL), which covers the damage caused by your vehicle, operated either by you or your family member. The notion "property" includes not only other cars involved in the accident, but also elements of infrastructure such as poles, fences and buildings.

These are types of auto insurance coverage that are mandatory in Florida, but other types are available as well, only optionally. However if you are financing your car through a loan some lending companies and auto dealers may include other types of Florida auto insurance coverage as mandatory to your contract. So make sure to ask your lender what are their requirements on auto insurance before actually buying a policy.