Enter your ZIP code:

Florida Car Insurance Quotes

"Each year, there are more than 250,000 [Florida] accidents, resulting in 230,000 injuries and 3,000 deaths." -Florida Department of Financial Services

 

Obtaining Florida car insurance is essential to owning a motor vehicle in the state of Florida. And that's where we can help! At InsureMe, we make finding the best Florida car insurance easy. Our free quoting service provides you with up to five free, competitive Florida car insurance quotes from knowledgeable agents in your area. Fill out our form and start saving today!


Important Information Regarding Car Insurance in Florida

State-Mandated Coverage

It is important to know and understand Florida state requirements when shopping for Florida car insurance. The following coverage is mandatory for owning and operating a motor vehicle in Florida:

  • A minimum of $10,000 of Personal Injury Protection (PIP). This insurance covers you in an accident regardless of who is at fault, and pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. PIP also pays a $5,000 death benefit.
  • $10,000 of Property Damage Liability (PDL). This portion pays for damage you or a family member cause to others while driving. "Property" may include fences, buildings, cars or telephone poles.

Many Florida drivers also buy additional types of Florida car insurance, such as Bodily Injury Liability, Collision, Comprehensive or Uninsured/Underinsured Motorist coverage-but these are completely optional, unless required by your lender or leasing agent.

 

Interrupted Coverage/Nonrenewal

It is vital to stay current on payments and new state requirements in order to avoid unnecessary interruptions in your Florida car insurance coverage.

Your Florida car insurance company may terminate, or nonrenew, your car insurance policy for several reasons. These include excessive claims or accidents, traffic violations, nonpayment, and failure to obtain new car insurance coverage. If your Florida car insurance policy is cancelled, the Florida Department of Highway Safety and Motor Vehicles will suspend your driver's license, vehicle tag and registration. Fines may also result.

 

Your Rights and Responsibilities

As a Florida car insurance consumer, you have the right to:

  • Choose your own insurance company and agent
  • Purchase your policy without the influence of discrimination
  • Obtain a fair coverage quote
  • Receive copies of all forms and applications, including your policy, within 60 days
  • Have your claim investigated in a proper and timely manner
  • Acquire payment for necessary repairs, or for the value of your car, within 20 days of signing a settlement agreement
  • File a complaint with your insurance company

Your responsibilities as a Florida car insurance consumer are:

  • Read and understand your policy
  • Obtain adequate insurance, as mandated by the state of Florida
  • Verify agent and company licenses
  • Fill out your application accurately and completely
  • Get a binder (proof of coverage) until you receive your policy
  • Keep track of your policy-renewal date
  • Pay for any additional premium costs
  • Report any changes affecting your policy to your insurance agent or company
  • Contact your insurance company or agent immediately following an accident

You should also report any suspected fraud to the Florida Department of Financial Services by calling the Fraud Hotline at 800-378-0445.

 

Additional Information

For more information, contact the Florida Department of Financial Services at 800-342-2762, or access their Web site at www.fldfs.com.

 

Saving on Your Florida Car Insurance

Comparison shopping is the best way to save on your Florida car insurance. Let us do the work for you! Just fill out one simple form, and InsureMe will get you up to five competitive Florida car insurance quotes from which to choose.


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views

Wyoming Car Insurance

Wyoming Auto Insurance

Wisconsin Car Insurance

Wisconsin Auto Insurance

West Virginia Car Insurance

West Virgina Auto Insurance

Washington, D.C. Car Insurance

Washington, D.C. Auto Insurance

Washington Car Insurance Quotes

Washington Auto Insurance Quotes

Virginia Car Insurance

Virginia Auto Insurance Quotes

Vermont Car Insurance

Vermont Auto Insurance

Utah Car Insurance

Utah Auto Insurance

Texas Car Insurance Quotes

Texas Auto Insurance Quotes

Tennessee Car Insurance

Tennessee Auto Insurance

South Dakota Car Insurance

South Dakota Auto Insurance

South Carolina Car Insurance

South Carolina Auto Insurance

Rhode Island Car Insurance

Rhode Island Auto Insurance

Pennsylvania Car Insurance Quotes

Pennsylvania Auto Insurance Quotes

Oregon Car Insurance Quotes

Oregon Auto Insurance Quotes

Oklahoma Car Insurance

Oklahoma Auto Insurance

Ohio Car Insurance Quotes

Ohio Auto Insurance Quotes

North Dakota Car Insurance

North Dakota Auto Insurance

North Carolina Car Insurance

North Carolina Auto Insurance

New York Car Insurance Quotes

New York Auto Insurance Quotes

New Mexico Car Insurance

New Mexico Auto Insurance

New Jersey Car Insurance

New Jersey Auto Insurance

New Hampshire Car Insurance

New Hampshire Auto Insurance

Nevada Car Insurance

Nevada Auto Insurance

Nebraska Car Insurance

Nebraska Auto Insurance

Montana Car Insurance

Montana Auto Insurance

Missouri Car Insurance

Missouri Auto Insurance

Mississippi Car Insurance

Mississippi Auto Insurance

Minnesota Car Insurance Quotes

Minnesota Auto Insurance Quotes and Information

Michigan Car Insurance

Michigan Auto Insurance

Massachusetts Works to Install Competitive Auto Insurance Market

Massachusetts Auto Insurance Reform

Maryland Car Insurance

Maryland Auto Insurance

Maine Auto Insurance

Louisiana Car Insurance

Louisiana Auto Insurance

Kentucky Car Insurance

Kentucky Auto Insurance

Kansas Car Insurance

Kansas Auto Insurance

Iowa Car Insurance

Iowa Auto Insurance

Indiana Car Insurance

Indiana Auto Insurance

Illinois Car Insurance

Illinois Auto Insurance

Idaho Car Insurance

Idaho Auto Insurance

Hawaii Car Insurance

Hawaii Auto Insurance

Georgia Car Insurance

Georgia Auto Insurance Quotes

Florida Car Insurance Quotes

Florida Auto Insurance Quotes

Find Maine Car Insurance

Delaware Car Insurance

Delaware Auto Insurance

Connecticut Car Insurance

Connecticut Auto Insurance

Colorado Car Insurance Quotes

Colorado Auto Insurance

California Car Insurance Quotes

California Auto Insurance Quotes

Arkansas Car Insurance

Arkansas Auto Insurance

Arizona Car Insurance Quotes

Arizona Auto Insurance

Alaska Car Insurance

Alaska Auto Insurance

Alabama Car Insurance

Alabama Auto Insurance

XE Login