The Best Car Insurance in Florida

Is finding affordable car insurance rates in Florida frustrating you?

This process can get really tiresome and costly. But if your a responsible driver, then you need to protect other drivers by carrying liability insurance. Even the best drivers can be liable for things beyond their control. There are certain factors that will determine your car insurance rates in Florida and even if you qualify for a policy. Some of these things include the detail of your car, your driving record and your residence address.

Do you think you have the best car insurance in Florida? You need to seriously consider that there are a number of other coverages that you could have. You may have them through your current carrier, but they aren't the best or most appropriate for your situation. You also want to consider that Florida is a No Fault state for car insurance. We can help you understand the Florida No Fault Car Insurance law so that you can choose the right type of coverage.

Still confused? Talk to us today to find out how we can get you top-of-the line car insurance coverage and the best rates in Florida. Here at Bird Insurance we make it easy. We would even be happy to take a look at your existing auto policy. We know how to find discounts on car insurance you may not find on your own.

For more information on Florida No Fault Car Insurance Click Here.

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+ What is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

+ Florida Car Insurance Laws

Auto Insurance Requirements Vary by State

Florida law require all drivers to carry property damage liability and personal injury protection (PIP) policies.

  • Property damage liability covers the damage you cause to another's property, and you must carry a minimum of $10,000 in coverage.
  • PIP covers your injury-related expenses, regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses.

    $10,000 worth of PIP is required, although you may be able to increase your benefits by purchasing more. Some drivers may choose to decrease their premium by applying a deductible to the coverage or by excluding the loss of wages benefit.

Florida auto insurance laws may also require that Florida drivers with previous accidents or violations may be required to carry bodily injury liability. This coverage helps pay for the cost of injuries you cause to another in an auto accident.

Bodily injury liability (BIL) coverage in Florida carries a minimum of 10/20. (That's $10,000 per person for injuries you cause to the other party, up to $20,000 total.) Drivers who aren't required by law to purchase BIL are strongly urged to consider doing so for their own financial protection.

Florida car insurance companies also offer optional coverage such as collision, comprehensive, and uninsured and underinsured motorists' coverage.

+ How much car insurance is right for me?

Finding the car insurance coverage that's right for you

Making monthly insurance payments, especially when you've never had an accident, seems like a waste of money. But when you DO have a claim, auto insurance can be a financial lifesaver. And don't forget... car insurance in Florida is required by law.

Auto insurance requirements vary. In some states to drive, you must carry:

  • Liability coverage to pay for losses you cause others
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
  • Both liability and no-fault coverage.

Even in states where coverage isn't required, by law drivers must be able to pay for losses they cause to others. Having insurance is the simplest way for most people to comply. To finance a car, it's usually necessary to have insurance that covers damage to your vehicle.

At Bird Insurance Group, our team of professionals understands the car insurance needs of our customers. We write auto insurance in FL all day, and would be happy to help you ensure you have the right car insurance coverage.