Florida car insurance will have mandatory and optional coverages. In Florida, bodily injury liability insurance is not required by law. If you have an accident and have to pay for another driver's medical expenses, you'll only be covered by liability for bodily injury. Car insurance is mandatory in St.
Petersburg, but finding the right coverage that fits individual needs while providing the best possible protection can be overwhelming. He has spent many hours helping his customers understand the insurance market so that they can find the best auto, home and life insurance products for their circumstances. Auto insurance companies evaluate numerous factors when determining insurance quotes, such as marital status, the type of vehicle you own, education and coverage, and current insurance limits. The best way to avoid this financial burden is to choose an auto insurance policy that includes coverage for accidents involving uninsured motorists.
One of the biggest auto insurance discounts you can get in Florida is called a multi-policy discount. Florida applies a no-fault insurance system, which means that all costs incurred in an accident, up to a certain amount, are paid by the driver's own insurance company. Car insurance is generally cheaper in rural areas because fewer cars on the road mean a lower chance of colliding with another vehicle. St.
Petersburg's car insurance law requires that a minimum amount of car insurance be obtained and the verification number (VIN) be obtained. The main reasons why your car insurance premiums in Florida may be more expensive could be due to the coverage selected, location, previous claims, crime rates, credit rating and losses reported in the area. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. Let an insurance agent guide you through the process of buying car insurance that can provide you with significant savings on your annual premiums.
For example, Progressive Car Insurance St. Petersburg, FL may offer different rates than Freeway Auto Insurance St. In addition, insurance must be purchased from a company licensed by the Florida Office of Insurance Regulation. These states no longer use gender to calculate your car insurance rates in Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.
Car insurance companies use different criteria and use different formulas to determine premium rates.