Purchasing Car Insurance In Florida

2007-03-08 10:33:40

( Insurance )



In the state of Florida, vehicle owners take care of their own losses and medical bills, and it is therefore compulsory that one purchases car insurance in Florida.

The state of Florida requires all vehicle owners to purchase Florida car insurance with a certain minimum coverage to pay for any bodily injuries or death caused to the other vehicle’s driver, your vehicle's and the other party's passengers and any pedestrians involved as a result of the accident when you are at fault. There is also a required minimum coverage for any property damages that pays for the repair or replacement of the other party’s car or property when you are at fault.

An optional comprehensive coverage can also be included in your car insurance policy to cover for theft, vandalism and any damages as a result of natural disasters.

It is also required by the Florida car insurance law to be able to show proof of insurance whenever legal authorities demand it. Acceptable documentation include: the insurance card (even if the card is temporary), the receipt from the premium paid, the original insurance policy, certificate of liability issued by the insurance company or agent, the declarations page of a liability insurance policy, proof of purchase of the vehicle and if the vehicle is rented, a copy of the car rental agreement showing the insurance coverage.

Premiums for car insurance in Florida are determined by your driving record, age, the area where you live, and the type of vehicle you drive. Because these factors contribute to the high cost of premiums, there are certain techniques that one can follow to help lower the cost of premiums:

Anti-theft and safety devices should be purchased and placed on your vehicle.

If you have more than one car, and more than one type of insurance policy you can purchase all of your policies from the same insurance company so that multiple discounts can be provided.

Pay for your Florida auto insurance premiums annually instead of monthly, quarterly or bi-annually.

Try reducing the mileage of your car by limiting its use: the higher the mileage, the higher the premium.

You can request for a higher deductible on collision, fire and theft coverage to lower Florida car insurance premiums.

If you currently own a separate medical insurance, you can consider eliminating medical coverage included in your policy for car insurance in Florida.

Premiums for car insurance in Florida vary with each insurance company, so it pays to shop and compare.

Do not just select a car insurance company that provides the lowest premium. You should do a background check on the company’s turnaround time for processing claims and releasing checks, their customer service and the financial stability of the company.


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