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Quick Florida Car Quotes insurance laws are often a puzzle wrapped in an enigma. Florida does not require bodily-injury liability coverage. Florida requires personal injury protection and property damage liability. PIP provides a safety net that covers medical expenses, regardless of who is at fault. This no-fault system is meant to expedite claims, but it often leaves drivers baffled.

It may sound reasonable, but medical bills can quickly mount up. PDL is also required to have a minimum of $10,000, but if you consider the cost of a single collision with a luxury vehicle this could be more than that. Sometimes you need to do more than just chewing the gum.

Why then does Florida follow its own drumbeat? This is partly due to the high number of uninsured motorists in Florida. Nearly 1 in 4 Floridians are driving without insurance. This system of no fault is intended to stop minor accidents from flooding the courts with lawsuits. Many drivers feel like they are walking a tightrope, without a net.

To find the best quotes, you need to do more than click the first advertisement that appears online. Finding the perfect pair of jeans is similar to trying on several different pairs before finding “the one.” Comparing quotes from three to five different insurers is a good place to start. After all, variety is the spice. Customer service and claim handling is equally important.

Do not be afraid to ask questions or bargain for discounts. You have taken a defensive driving class? You could get a few dollars off of your premium. Bundling your auto and home insurance policies will often yield additional savings.

Consider increasing your deductible when you feel confident about your driving and have cash set aside in case of an emergency. The monthly premiums are lower with a higher deductible, but be aware that you will have to pay out more if there is an accident.

Be prepared for those who have teen drivers on the road. Due to their inexperience behind the wheels, young drivers’ insurance can be expensive. Let’s not forget that they also tend to behave recklessly. Encourage them to achieve good grades, as many insurance companies offer discounts for students with excellent academic records.

Floridians may also be subjected to Mother Nature during hurricane season. This could have an impact on rates, depending where you live in this sunny state paradise — or should we call it a storm-haven? Prices are higher in coastal areas because, well…waterfront views cost a lot!

Keep track of your insurance costs annually to ensure you are getting the best coverage for the lowest price. Insurers often adjust rates depending on regional statistics as well as broader economic trends that affect industry-wide.

There is no conclusion, but hopefully you can now navigate through this murky water with confidence and make better decisions. Protecting your wallet will give you peace of mind as well as enjoying the Sunshine State’s highways.