What You Should Know About Auto Insurance in Florida

When it comes to choosing auto insurance, there are several things that you should keep in mind.  If you want to make sure that you choose a plan that will satisfy the requirements for Florida, while still managing to fit in your current budget then visit https://floridainsurancequotes.net for a quote.

The Basics

When choosing auto insurance, there are several terms that you will need to understand, including deductible, premium, and limits.  These are the basics of every auto insurance Florida policy, and understanding exactly what they mean will help you choose a policy that best suits your needs.


The deductible is the amount you will be required to pay out of your own pocket before the insurance coverages actually kick in.  The amount of the deductible varies from policy to policy, so you will need to make sure that you read the information carefully.  Some policies may have no deductible, but these policies are considerably more expensive than those with deductibles.  The most common amounts for deductibles are $500, $1,000, or $5,000.

It is important to remember that the higher deductible amount you choose, the lower your monthly payments will be.  However, if you choose a higher deductible, you need to make sure that you will be able to come up with that amount if you are ever in an accident.  If you do not have access to funds that will cover a high deductible amount, you should consider opting for a lower deductible with higher monthly payments.


The premium of an auto insurance Florida policy refers to the total cost of the policy.  These amounts vary depending on risk factors, age, vehicle type and age, and your previous driving history.  Risk factors play a key role in insurance premiums, and the following are just a few of the things that can increase an insurance premium:

  • Unmarried drivers
  • Male drivers
  • Lapsed coverage between policies
  • Drivers with numerous traffic violations
  • DWI and DUI convictions
  • Young drivers

Most auto insurance policies allow you to choose to pay your premium either in full, or by making monthly payments.  Keep in mind, however, that paying a monthly payment often results in paying more for your insurance policy than you would if you opt to pay the premium in full.


Auto insurance Florida laws require specific limits for drivers.  These include a minimum of $10,000 in personal injury coverage, and $10,000 in property damage liability.  Personal injury coverages cover any injuries you may receive due to an automobile accident, regardless of whether the accident was your fault or someone else’s.  These coverages also cover other passengers in your vehicle, up to the limits set by your policy.

Property damage liability covers any damages to someone else’s property that are caused by you or someone driving your vehicle.  For example, if you run off the road and tear out your neighbor’s fence, this coverage will pay for the damages.

Many policies also allow you to opt for bodily injury liability insurance.  This option is also for a specific limit, and pays for serious bodily injuries or death that you cause during an at-fault accident.

While you can choose to go with the lowest requirements set by law, you should understand that these limits are generally not sufficient to cover the actual cost of injuries or damages that result from an accident, so you may want to opt for higher coverage amounts.

Once you understand the basics of automobile insurance Florida, you will be able to choose a plan that meets your needs, without blowing your budget.