Insurers In Florida Offering Many Different Policies

There are over twenty-five different companies offering coverage in the state of Florida. If you’re looking for low cost auto insurance, Florida is very high on average, but where in Florida you live can make a big difference. For a family of four, with two late model cars, typical premiums can vary from a low of $540 in Gainesville to a high of $1325 in Miami. The average cost for insuring a car in Florida is around $1000 if you average the rates for the thirty largest metropolitan areas.
On average, rates are slightly more expensive for men than for women. While men should expect to pay around ten percent more than women for the same policy, rates can vary between insurers, and some insurers offer lower rates to men for the same policy. Older drivers also can expect around a ten percent premium savings over younger drivers, but that also varies with the insurer chosen. These differences point out the importance of the shopper to be informed about rates in general, and to shop around for the best rates with a variety of insurers to make sure they don’t overpay.

Getting coverage has never been easier thanks to the internet. In fact, online it takes less than 10 minutes through some our online quote system. This reduces the excuses for drivers in the states to not have legal coverage. Getting Florida online auto insurance quotes is quick, simple, and could ultimately save you a great deal of financial suffering and inconvenience. Accidents without coverage can be overwhelming expensive, including medical bills, vehicle replacement costs, pain and suffering money and other charges.
No. 1: Even if you do Not Have coverage, you are Still Liable for Damages and Injuries
Just because a driver does not have auto insurance does not mean they will not be held responsible for an accident deemed their fault. It certainly does change the dynamic of a lawsuit but it does not excuse liability. However, instead of a payout and a premium spike, drivers are looking at the possibility of thousands and thousands of dollars in bills. In fact, the medical bills alone for an injured driver are staggering. This does not even mention having to replace a totaled vehicle or even repair one that is just battered. In total, either way, uninsured drivers are risking their financial stability to simply avoid a premium.
No. 2: It will make you “High Risk” for the Rest of your Driving Career
Driving without coverage, even for a short period of time, will make a high risk candidate for future providers. It is illegal, so you will be seen as someone who does not set much stock in following the law, and it shows a level of irresponsibility that will allow providers to charge you more down the line when you decide to go back to driving legally. You will be deemed a “high risk” driver and will see all of your premiums shoot drastically upward. Sometimes even almost doubling depending on the company

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