What To Look For In A Full Coverage Car Insurance Quote In Florida

What To Look For In A Full Coverage Car Insurance Quote In Florida



What to​ Look For in​ a​ Full Coverage Car Insurance Quote in​ Florida
It's possible – especially if​ you​ have a​ good driving record – to​ get away with purchasing just $10,​000 of​ Personal Injury Protection (PIP) and $10,​000 of​ Property Damage Liability (PDL) insurance and legally drive in​ the​ state of​ Florida .​
If you've been in​ a​ crash or​ if​ you've been convicted of​ certain other offenses,​ you​ may be required to​ also purchase Bodily Injury Liability (BIL) insurance coverage.
PIP insurance provides medical coverage for you​ or​ almost anyone legally driving your vehicle or​ ridding in​ your vehicle as​ a​ passenger if​ your vehicle is​ involved in​ an​ accident,​ regardless of​ whose fault the​ accident is​ deemed to​ be.
As you​ can imagine,​ with medical costs as​ high as​ they are today,​ $10,​000 in​ coverage may not go far in​ a​ serious crash .​
Depending on​ what assets you​ have that might conceivably be forfeit if​ you​ are unable to​ pay for the​ medical expenses of​ someone who is​ hurt in​ your vehicle because of​ a​ serious accident,​ you​ may wish to​ purchase considerably more PIP coverage than the​ minimum the​ state of​ Florida requires of​ you.
Property Damage Liability insurance covers repairs to​ another person's vehicle or​ other property if​ you​ are involved in​ an​ accident,​ regardless of​ whose fault the​ accident is​ determined to​ be.
$10,​000 in​ Property Damage Liability insurance will barely cover a​ fender-bender for many of​ today's high-priced vehicles .​
Again,​ especially if​ you​ have a​ home or​ other assets which need protecting you​ may choose to​ purchase more PDL coverage than the​ state of​ Florida demands.
If you​ wish your vehicle to​ be repaired or​ replaced in​ the​ event of​ an​ accident you​ will need to​ buy Collision and Comprehensive insurance.
Collision coverage will repair or​ replace your vehicle if​ it​ is​ damaged by striking (or being struck by) another vehicle,​ or​ if​ it​ is​ damaged by striking an​ object such as​ a​ guard rail,​ a​ light pole,​ or​ a​ tree .​
You should consider purchasing collision insurance up to​ the​ Blue Book Value of​ your car.
Comprehensive insurance covers damage to​ your vehicle caused by natural acts (such as​ wind or​ hail damage) and acts of​ vandalism .​
And,​ just to​ make things confusing,​ it's the​ comprehensive portion of​ your insurance that pays you​ if​ you​ strike an​ animal,​ such as​ a​ deer,​ while driving .​
Again,​ you​ should purchase comprehensive insurance up to​ the​ Blue Book value of​ your vehicle.
You should review the​ amount of​ your collision and comprehensive with your agent each year since the​ Kelly Blue Book value of​ your car is​ most likely decreasing every year and there's no point in​ carrying coverage on​ your car in​ excess of​ Blue Book value since that's the​ most your insurance company will pay you​ in​ any event.
As you​ can see,​ the​ State of​ Florida actually requires very little from you​ in​ the​ way of​ insurance,​ but as​ you​ can also see,​ carrying the​ state minimum required insurance could very easily leave you​ open to​ lawsuits which will force you​ to​ pay money that could be considerably in​ excess of​ the​ minimum required insurance .​
This could put your home,​ your savings,​ or​ any other assets you​ possess at​ great risk.
And obviously if​ you​ are purchasing a​ new vehicle and you​ intend to​ finance your purchase your lender will undoubtedly require that you​ purchase full coverage insurance – Personal Injury Liability (PIP),​ Property Damage Liability (PDL),​ Bodily Injury Liability (BIL) coverage,​ Collision and Comprehensive – in​ amounts far greater than the​ state-mandated minimums.
Keep in​ mind that even though your lender has every right in​ the​ world to​ demand that you​ fully cover any vehicle being financed,​ your lender is​ not allowed to​ force you​ to​ purchase your insurance from any specific provider.
If you​ want to​ find the​ best possible price for your full coverage car insurance quote in​ Florida then you'll need to​ get on​ the​ internet and find at​ least 3 websites that allow you​ to​ make quick and easy head-to-head comparisons of​ prices for insurance at​ different insurance companies.
Make certain that you​ take the​ extra time and effort to​ make your comparisons on​ at​ least 3 different websites so that you​ can be assured that you're seeing the​ prices from virtually every insurance company operating in​ Florida.
Once you've done that then you​ can grab the​ absolute cheapest price possible for the​ full coverage car insurance that you​ need and rest easy every night knowing that you​ are not paying even one cent more for your car insurance than you​ absolutely have to.




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