Affordable Car Insurance In Florida - We could all use a little more money in our bank account each month. However, it is difficult to know where you can cut costs. Are you struggling to pay your car insurance? It doesn't have to be that way! Pronto Insurance offers affordable auto insurance in Florida. If you're struggling with your monthly premiums or frustrated that your deductible is so high it doesn't really cover the cost of a recent accident, it's time to look for a new policy.
Florida drivers, your next step should be to shop around and find a better policy. With a new, affordable car insurance policy through Pronto Insurance, you'll be able to enjoy a better monthly rate. This could be because you've changed your deductible or maybe it's simply a cheaper option. We may be able to offer you discounts that your previous company didn't or add extra coverage and costs that you really don't need. When you get a free Florida auto insurance quote through us, you'll learn more details.
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You can't avoid using insurance forever, even if you're a safe driver. Car accidents are quite common, especially here in Florida. You need car insurance to cover an accident, but you don't want to pay money you can't afford just to use it! You don't have to pay an outrageously high car insurance bill every month just to have the coverage you need. Contact Pronto Insurance today and next month, you could have the best car insurance rates, a much lower bill and a smile on your face. There are over 17.3 million licensed drivers in Florida. When you hit the road with them, you want to know you have good insurance. Whether you cause an accident or someone crashes into you, the right coverage can save you from financial disaster.
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Price is the primary concern for many auto insurance buyers. We evaluated the average rates for 10 major Florida auto insurance companies for different drivers. Comparison shopping is key if you don't want to pay too much. The best car insurance companies for you will change based on your driving record, address, previous claims and other factors.
Geico and State Farm offer the cheapest rates for good drivers in Florida among the companies we evaluated. Even if you don't want to switch car insurers, ask your insurance agent to review the discounts available to make sure you're getting all the discount rates you can. Even going paperless for insurance policies and bills can result in a small discount.
State Farm and Allstate are the cheapest companies for Florida drivers with speeding tickets. Speeding tickets and other citations will count toward your Florida driving record. If you accumulate enough points, your driver's license can be suspended. A speeding ticket counts as 3 points.
Geico and State Farm are the cheapest for Florida drivers who caused an accident. Since Florida is a no-fault state, you will file injury claims on your own PIP insurance. Florida also uses the "pure comparative fault" rule: if you are partially at fault for an accident, the jury award will be reduced by your percentage of fault. For example, if you were 50% at fault and have $100,000 in damages, you will receive $50,000.
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Direct General and Geico are the most likely to offer better rates to Florida drivers with bad credit among the companies we evaluated. Car insurance companies associate bad credit with a higher chance of making a claim, so be prepared to be hit with higher rates. In addition, the average rate for drivers with bad credit in Florida is about $1,000 higher than the national average.
There's no getting around the fact that adding a teenage driver to your auto insurance policy will be a hit to your wallet. With the national average for teen driver additions close to $3,000 per year (not including parents), finding a good job is critical.
Geico and State Farm have the best rates for drivers who only want the minimum required Florida auto insurance among the companies we evaluated.
Florida only requires very low coverage amounts and uses a no-fault auto insurance system. If you are injured in a car accident, you will first apply for your own personal injury insurance (compulsory).
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You will choose a PIP deduction. Choices are non-deductible, $250, $500, or $1,000. A deduction is an amount deducted from a PIP claim check. The higher the deductible, the lower your PIP cost.
Basic Florida PIP pays up to $10,000. . There is still coverage for replacement services and death benefits. However, with a limit of only $10,000, you can quickly reach the PIP maximum.
There is also an "extended PIP" option that pays 100% of medical bills and excludes any coverage for lost wages. This option still includes replacement services and death benefits.
If you want more than a paltry $10,000 in PIP benefits, your insurer may offer "additional PIP" coverage. Here you will select an additional amount such as $10,000, $25,000, $40,000 or $90,000.
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Property damage liability insurance is mandatory in Florida and pays for other people's damages if you cause an accident. You can also purchase bodily injury liability in the event that you cause an accident in which others are seriously injured.
Even though Florida is a "no-fault" state, you can still be sued for a car accident. You can sue a motorist in Florida if you have a serious injury like a broken bone or significant disfigurement. For this reason, it is important to have a good amount of personal injury liability insurance, especially if you have assets that someone could claim in a lawsuit.
If you have a high income and assets such as savings and a house, you may become the target of a lawsuit. Consider generous auto insurance liability limits in case someone sues you.
A good Florida auto insurance policy starts with PIP and liability insurance with limits higher than the state minimums. State requirements are low and if you have the means you can be the target of liability lawsuits. Other types of coverage we recommend are:
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Uninsured Motorist Coverage: One of the problems with infrequent tort insurance in Florida is that people who cause serious injuries to others may not have the insurance to pay for them. You can sue another driver who causes you serious injuries, but if they only have liability for PIP and property damage, they won't have adequate coverage for your claim against them.
If so, you can turn to your own uninsured motorist (UM) coverage. You can use your health insurance for accidental injuries, but UM can also provide compensation for pain and suffering and coverage for lost wages.
Collision and comprehensive coverage: Aside from car accidents, there are many issues that can damage your car. A good policy will include collision and comprehensive insurance to cover these, especially in the event of a Florida flood. Collision and comprehensive coverage together will pay for car theft and vehicle damage from hail, flood, fire, vandalism and collision with other objects and animals.
Umbrella Insurance: If you have a high income and assets, you are a good candidate for umbrella insurance. It provides an additional amount of liability insurance in addition to car and home insurance. If you are facing a large lawsuit from someone for a car accident or incident covered by your home insurance, umbrella insurance protects your finances.
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Florida law allows you to show proof of car insurance from your cell phone. Otherwise, you should have a paper copy handy.
Florida drivers pay an average of $1,259.55 per year for auto insurance. Includes all levels of insurance purchased. Below are the average premiums for common types of coverage.
Car insurance companies will use many factors to calculate your rates, and rates vary significantly between insurers. The calculation uses your previous requirements, driving record, vehicle model and more. In Florida, companies can also use these factors.
About 27% of Florida drivers don't have auto insurance — the highest rate in the nation — according to the Insurance Research Council.
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With so many uninsured drivers on the road, consider uninsured motorist coverage. You can use this coverage for serious injuries to you and/or your passengers. You would still use your own PIP for minor injuries.
If you are caught without PIP and property liability insurance in Florida, you can lose your car registration and driver's license.
In addition, it is an offense to show "proof of insurance" when you know the insurance is not in force.
If your vehicle is seriously damaged in an accident, your insurance company may decide that it is totaled. Under Florida law, a vehicle can be considered totaled when the cost of repairs exceeds 80% of its value. Florida law also states that a vehicle must be counted when repairs exceed 100% of the value.
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Collision and comprehensive insurance ensures payment for all cars. They will pay the value
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