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Florida Direct Insurance

Every state is different when it comes to the laws regarding automobile insurance. If you live in Florida, you will find it is a no-fault state, meaning that no matter who is at fault in an accident your insurance will cover your own damages.  You will also find that the insurance requirements in Florida could have the lowest minimum in the entire country. While this is a great way to save money on your monthly payments, it may not be so great in the long run, because if you choose to only carry the minimum amount required, you may find that you have a lot of expenses you can’t afford to pay for after a car accident.

How Much Coverage do you need?

Florida Direct Insurance

Your Florida direct insurance will cover many of the expenses that arise following an auto accident, providing that you are carrying more than the minimum amount required by the State of Florida. You must carry a minimum of $10,000 in personal injury protection insurance (PIP) and $10,000 in property damage insurance. This means that you will have the money available to pay for damages incurred by the other driver in the accident, but not your own. This is why so many Florida drivers choose to carry additional coverage. If you are leasing a car, you will be required to carry at least $100,000 or more in liability insurance.

Why Do I Need More Coverage in a No-Fault State?

Many people think that because they live in a no-fault state, they aren’t going to have to pay a lot of money following a car accident. This just isn’t the case. Yes, many no-fault states do have a reduced amount of car accident-related law suits, but there are still ways that the other drivers can sue in a no-fault state, and if you are at fault, without the extra coverage you will have to pay all of the expenses yourself, which you may not be able to afford.

What if I Have a DUI?

No matter what state you live in, having a DUI is going to cost you a lot of money in the long run. At the very least, you are going to lose your driving privileges, and you will have to spend money on alternate means of transportation until you are eligible for a reinstatement of your license.

Florida has extremely strict drinking and driving laws, and if you are caught operating a motor vehicle with a blood alcohol level of 0.08% or higher, you could be arrested, face fines, and risk losing your driver’s license. If your blood alcohol level is more than 0.15%, the laws get even tougher. If you have a DUI on your driving record, it is going to make it difficult for you to get affordable Florida direct insurance for your car, and you will face Florida enhanced sentencing laws which are in place to help deter people from drinking and driving.

SR-22 Requirements

When you drive a vehicle in Florida, you must have insurance. Some states, including Florida, require SR-22 coverage for various reasons. Some of these reasons include being caught operating a vehicle with no insurance, damaging another vehicle and not carrying enough insurance and having a DUI conviction. If you are considered for any reason to be a high-risk driver, you may be required to have SR-22 coverage.

The Cost of Your Florida Direct Insurance

Insurance rates can vary from insurer to insurer. If you live in Florida, you will be paying right around the national average for your car insurance premiums, approximately $1,500 each year. If you have any infractions on your driving record, your insurance rates may be higher. On the flip side of this coin, if you have an excellent driving record, you may be eligible for a discount on your insurance rates. You should also ask about other discounts that you may be eligible for. Some of the things that can affect your insurance rates are your driving record, your credit history and the type of vehicle you wish to have insured.

How to Get the Best Deals

One of the best ways to get a good deal on Florida direct insurance is to get quotes from as many insurance companies as possible. One company may offer you certain products at certain rates, while another may offer the same products at a much lower rate. You won’t know unless you shop around. Let us do the work for you. Simply give us your zip code, and get started.