#Compare auto insurance florida drivers
#Compare auto insurance florida code

For this increased risk, auto insurers give teen drivers significantly high auto coverage rates. Teen drivers have less experience behind the wheel and are statistically more likely to ignore traffic laws and get into car accidents. This section will look at the average auto insurance expenses for different driving profiles in Jacksonville, Fla. That’s why some motorists may find better rates than you at the same company, and vice versa. Others offer better rates for drivers that don’t have clean driving records. Some providers are more affordable for drivers under 21.

#Compare auto insurance florida code

This could be their history of accidents, their credit score, ZIP code and age. We’ve been helping our neighbors in Riverview, Valrico, Brandon, and surrounding areas for more than 30 years, and we’d love to help you.Various parts of a Jackson driver’s profile will affect their rates. As an independent agency, L & M Insurance Group specializes in helping you find the best coverage for the best possible rate. Shop again when a life event takes place that might change your insurance rates: a teen getting his or her license, a wedding, a child going away to college, etc.Īnd be sure to call L & M Insurance Group (81) for a quote from one of our many quality auto insurance companies-or if you prefer, click here to request a quote via email. But be sure that you’re comparing the same coverage limits and deductibles. Remember, safe and boring is almost always cheaper to insure than fast and flashy! If your financial situation allows, raise your deductibles.Īt least once a year, shop for the best rate, and ask about all available discounts. Before buying a new-to-you vehicle, ask how it will affect your auto insurance rates. Of course, strive to keep your driving record clean, but also improve your credit score. Now that you know why car insurance is so expensive in Florida, there are a few things you can do to lower your auto insurance premiums. More traffic means more chances for accidents. Busy roadwaysįlorida roads are the third busiest in the U.S. Inflated claims and legal expenses raise the cost of doing business in Florida, and the result is higher insurance premiums for everyone. One of the latest problems with fraud involves assignment of benefits abuse related to windshield claims. Unfortunately, some areas of Florida are known for a high prevalence of fraudulent claims, as well as a high number of claims where there is lawyer representation.

This coverage, also known as “no-fault” coverage, pays for medical expenses for you and your passengers if you’re injured in an auto accident, regardless of who is at fault. PIP requirementīy law, Florida drivers must purchase Personal Injury Protection (PIP) insurance. Residents near the ocean, rivers, in low-lying or other flood-prone areas are especially affected. Severe thunderstorms, hurricanes, and flooding events cause property damage to cars that insurance companies must pay for. These drivers are considered to be higher-risk, and therefore more likely to cause or contribute to an accident. High percentage of higher-risk driversįlorida has many elderly drivers, tourists unfamiliar with the roads, and college students attending universities. Insurance companies compensate for that with higher premiums for everyone who is insured. (See below for a few things you can do to make sure you’re getting the best car insurance rate.) High percentage of uninsured driversįlorida has the highest percentage of people driving without insurance in the U.S.-more than one fourth (26.7 percent) of the drivers on our roads are uninsured. So why is Florida car insurance so expensive? Here are a few factors that contribute to higher auto insurance premiums for Florida drivers. Florida consumers pay about 48 percent more per year that the national average. In fact, the Sunshine State has the third costliest car insurance premiums in the nation. Living in the Tampa Bay area has many advantages, but cheap car insurance isn’t one of them.