Cheap auto insurance in Florida follows the guidelines of no-fault policy. What this means is that when an automobile accident occurs, neither of the motorists is held liable for the accident. It also means that either motorist's policy will cover the medical and car repair expenses of the respective motorist.
No fault law requires that one should buy insurance for a car that remains in the state for at least 90 days in a year. Its requirements also apply to four and two-wheeled vehicles registered in Florida. This type of coverage must be held from year to year. The aim of the no- fault insurance is to reduce expensive court cases relating to accidents and payments are made quickly. This policy also varies with the different state and therefore it may not apply in the same way in another state.
The State law in Florida requires that each car owner has a minimum of Personal Injury Protection and Property damage covers worth $10,000 each. However, there are extra policies that motorists looking for cheap auto insurance in Florida can buy for added coverage. These include Bodily Injury Liability, Comprehensive cover, Collision Protection cover and Uninsured/Underinsured motorist cover.
If you want to know more about cheap auto insurance in Florida, search the Internet for a list of companies that sell auto insurance affordably but provide sufficient cover. Comparing the estimates you get will give you an idea of the companies offering the car insurance you want to buy. Bear in mind that auto insurance prices vary and that you can get discounts as well.
When comparing the rates from different insurance companies, you may notice that some companies charge higher premiums but give discounts that could save you a lot of money. On the other hand, a company may sell you cheap car insurance but is known to slap customers with extra charges once they have purchased the insurance.
It is therefore important that you do your research well and find out how companies selling cheap auto insurance in Florida are rated. Generally, those companies that are rated highly will have positive reviews and less customer complaints. If for example, a company is giving you vague, insufficient information regarding their pricing formula, be cautious and check with the state's insurance department in order to be sure. Even though you are looking for companies offering cheap auto insurance in Florida, you would not wish to realize when it is too late that you have paid for insurance that offers you inadequate coverage.
