Compare auto insurance florida6/30/2023 You also have the option to purchase uninsured motorist coverage, medical payment coverage, GAP coverage, and even roadside assistance programs that can help replace flat tires, jump-start your vehicle, and sometimes even provide you with a tow.įlorida has the most uninsured drivers in the entire country. However, full-coverage protection does not necessarily stop there. Purchasing these additional policies protects you from substantially more than if you only buy the Florida minimum auto insurance limits. Damages caused by colliding with another driver, a tree, or even a telephone pole will be covered by collision insurance claims. Hurricane damage, damage from animals, vandalism, and vehicle theft will all be covered by comprehensive insurance claims.Ĭollision insurance protects your vehicle from damage that occurs when the car is in motion. Both of these policies have deductibles associated with them, which is the amount you will pay out of pocket before your insurance company steps in to help.Ĭomprehensive insurance protects your vehicle from damage that occurs when the car is not in motion. Usually, collision and comprehensive insurance are included in full coverage policies. What does full coverage auto insurance consist of? When you invest in full coverage auto insurance in Florida, you have the personal injury protection and property damage that is required by the state, as well as a few additional policies. Secured with SHA-256 Encryption What is considered full coverage auto insurance in Florida? To be protected in those scenarios, you will need to invest in full coverage auto insurance. It is important to note that if you only purchase minimum insurance coverage in Florida, your car is not protected from damage caused by weather, animals, or even vehicle theft. This type of policy will also help cover damages for other people’s property, including your passengers. Property damage liability insurance will help pay for damages to property owned by you or your family members caused by an automobile accident. PIP coverage can also cover you if you are a pedestrian, cyclist, or passenger in another vehicle. Your children and other members of your household are also covered under this type of policy, including some passengers who might not have their own PIP insurance. In Florida, you need to have $10,000 in personal injury protection, otherwise known as PIP, and another $10,000 in property damage liability, or PDL insurance.īecause Florida auto insurance state minimums include PIP, you are protected no matter if you are at fault for the accident or not. Read through our comprehensive guide to better understand basic auto insurance in Florida, as well as to learn about full coverage auto insurance versus other insurance policies.Ĭan’t wait to get started? To find cheap Florida full coverage car insurance quotes, enter your five-digit ZIP code into our free quote tool above to find affordable Florida full coverage car insurance. However, if you have a newer model, or finance your car, minimum coverage auto insurance in Florida may not be enough. If you drive an older vehicle worth less than $4,000, you may want to stick with the Florida state minimum auto insurance limits. What is full coverage in Florida? Any auto insurance policy that meets the state standards and includes additional liability, collision, and comprehensive coverages. There are many reasons you might choose to purchase Florida full coverage auto insurance instead of simply the state minimum requirements. If you live in Florida and own a vehicle, you are required to have a certain amount of insurance coverage. Full coverage auto insurance in Florida will include the minimum state standards, as well as some form of collision and comprehensive coverage.To legally drive in Florida, you must purchase personal injury protection and property damage liability insurance.In Florida, the average annual full coverage auto insurance rates cost $104 per month and $1,257 annually.
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