4 Key Facts To Know About Getting Comprehensive Car Insurance in State of Florida

Are you shopping for car insurance in the state of Florida? Even if you’ve previously held insurance coverage in a different state, Florida has a number of unique requirements and quirks you may want to read up on before selecting your policy.

From securing property liability coverage to adding on extra protections just in case to ensuring you settle down in one of Florida’s more affordable zip codes for car insurance premium costs, there are several key facts to know when shopping for car insurance in the Sunshine State.

In this case, the first thing you need to know is what is an SR-22 insurance policy. SR-22 is a proof that your insurance policy is meeting the liability coverage set by the state law. For a clearer understanding here are four fundamentals on car insurance policies to get you started.

Here are four fundamentals to get you started.

1. You May Need To Fulfill Minimum Requirements for Car Insurance Coverage

Unlike some other states, Florida is a no-fault state when it comes to car insurance. This means that, no matter what your Florida car insurance rates by zip code may be, having certain types of coverage is essential. In fact, you may be obligated to fulfill several minimum requirements in your coverage. For example, you may need to:

■ Carry personal injury protection coverage

■ Have a policy that covers at least $10,000 in property liability damages

■ Cover other damage costs in the event of an accident and/or a resulting medical emergency

2. Search for Key Types of Coverage in Your Car Insurance Package

Once you’ve checked that the policy you’re interested in fulfills basic requirements as mandated by Florida law, the next step is to check whether a given policy offers the type of additional coverage you want or need. For instance, some popular types of car-related insurance coverage include, but are not limited to:

■ Collision coverage and property damage liability coverage

■ Auto liability coveragewhat is a

■ Underinsured motorist coverage

■ Uninsured motorist coverage

■ Comprehensive coverage

■ Personal injury protection

■ Medical liability reimbursement

3. Some Cities With Safe Drivers May Result in Cheaper Insurance Coverage

Did you know that the town where you live in Florida can impact how cheap or expensive your car insurance premiums may end up being? Your location could have a significant impact on your wallet, so if you haven’t yet settled down in Florida, you may want to consider moving to a town known for its safe drivers and more affordable insurance coverage.

Some top Florida towns for affordable premiums include:

■ Tallahassee, FL

■ Cape Coral, FL

■ Freeport, FL

■ Palm Bay, FL

■ Santa Rosa Beach, FL

■ Alachua, FL

■ Gainesville, FL

4. Various Moving Violations Could Result in More Expensive Insurance Premiums

In Florida, as in many other states, various moving violations can lead to increased car insurance premiums. That’s why you should always avoid:

■ Speeding

■ Driving while distracted

■ Driving while drunk or high

■ Not wearing your seatbelt

■ Driving recklessly

■ Causing an accident or a hit-and-run

Even if you’ve had car insurance in other states, shopping for the right policy in Florida may involve some unique twists and turns. From specialized types of required coverage to varied rates depending on your exact location and more, there are several fundamentals to familiarize yourself with before purchasing your desired policy.

Fortunately, having a few key facts in mind can help you avoid the most common pitfalls when purchasing car insurance anywhere on the peninsula. As you search for your ideal Sunshine State car insurance policy, keep these four top facts in the back of your mind.

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