Auto Insurance

Florida Driving Insurance Explained to Save You Money

Florida Driving Insurance

Florida driving insurance can be affordable if you understand what’s mandatory protection and what is optional.  Learning your options will result in the lowest premium possible.

Florida state law requires Florida driving insurance in the form of personal injury protection or PIP, and property damage liability coverage with a bare minimum limit of     $ 10,000. This basic coverage is frequently referred to as a PIP/PD.

Although Florida driving insurance law doesn’t require a minimum coverage for bodily injury liability coverage is mandatory, you could be forced to obtain this insurance coverage after you have been involved in an accident. It is suggested that you at least acquire the bare minimum Bodily Injury Liability protection.

Florida Driving Insurance

The State of Florida follows what is called a No-Fault system which means your insurance carrier will issue payments for any damages relating to your claims despite who is at fault, up to a specific amount. Normally, you forfeit some of your rights to file a suit under a No-Fault system. Particulars on various no-fault systems fluctuate from state to state.

Florida Insurance Policy Requirements:

Property damage liability: $ 10,000 Limit
Personal Injury Protection: $ 10,000 Limit

Florida Driving Insurance

Personal Injury Protection (PIP) helps afford “acceptable and necessary” medical costs for you and your passengers. Florida State Statutes require a bare minimum Personal Injury Protection coverage of $ 10,000.

You can get Uninsured/Underinsured bodily injury coverage to cover bodily injury created by an uninsured or underinsured driver (depending on locality). Florida does not compel drivers to buy this type of coverage, but you should investigate purchasing this helpful insurance protection.

Here at, when you obtain your Florida driving insurance quotes you’ll be able to adjust your deductible and also to qualify for various savings related to your age, driving record, credit report, location where the vehicle is stored and other factors that will be taken into account.  To get the lowest cost policy shop multiple quotes with the same variables so you insure you’re getting identical quotes to compare.

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