Having car insurance is compulsory in Florida, but that does not mean you have to spend a fortune on it! If you understand what kind of protection the different types of insurance can offer you and choose the right one for you, then you will see how much money you can actually save! And if this is not enough for you, we can also offer you a couple of tips that will help you get the cheapest auto insurance Florida has.
What Types Of Insurance to Choose From
It is always a good idea to be prepared and to do your research before actually talking to the insurance agents - that way, you will save your time and you will also make their job easier. So which are the insurance policies that you can get for your car?
- PDL - Property Damage Liability is one of the two compulsory policies that a Florida driver needs. In case of a car accident that you are responsible for, you are going to be grateful for it, because it will cover all the damages that you bring to the other vehicle(s) involved in the accident, thus preventing a lawsuit or money loss;
- PIP - Personal Injury Protection is the second policy that you need to have when registering the car and it covers the medical expenses for all the other people that are in your car at the time of the accident. The great thing about this policy is that it does not take into account the person responsible for the accident - either way, you will get the help that you need;
- BIL - Bodily Injury Liability and Physical Damage Coverage are two other policies that you can opt for only if you want to, one covering the people in the other vehicles involved in an accident that you are responsible for, and the second one, the damage brought to your own car.
Helpful Tips
If you want to be eligible for the cheapest car insurance, then you need to keep some things in mind. First of all, a clean record makes a great first impression - the fact that you do not have any prior accidents, speeding tickets or any other problems with your car will let the insurance company know that you are responsible driver and therefore you do not present a big risk.
Next, who said that the contracts and prices that the insurance companies offer you are definitive? They can be changed, especially if you tell the company you are interested in that you have a better offer from a rival one that you are considering. Moreover, getting free quotes directly from the companies or from their official websites will help you save a lot of time and energy, not only money! You just have to fill in an online form with a few details and, in a couple of minutes, you will get the quote including the prices for each service you need, making it easier for you to compare the policies offered by different companies. Florida is a no-fault auto insurance state so to find more information about this please read more here