Click Here to Find Cheapest Car Insurance In Florida

Legal Requirements for Car Insurance in Florida

Looking for cheapest car insurance in Florida? It should come as no surprise that insurance for a registered vehicle is mandatory in the state of Florida, much like it is in the majority of the country. That’s why getting the best deal available from comparison websites like Cheapinsuranceflorida.org is so important for FL drivers. Since there are no further stipulations prior to acquiring registration and insurance, such as a certified car inspection or other, Florida’s officers take it very seriously when they pull over a vehicle that has no insurance coverage at all.

Illegal automobiles wreak havoc on personal and state finances in the event of a crash, especially considering most of these uninsured drivers have no capital to use as debt repayment. Typically, liability coverage is the minimum requirement for insurance policies, but some stricter areas may ask for proof of further insurance.

Uninsured/Underinsured Motorist Coverage

Shortly referred to as UM/UIM, this protection covers a driver in case of an accident with another motorist in which that party possesses no automobile coverage at all. In the state of Florida, this is an optional addition of insurance, but not a requirement by law.

No-Fault Auto Insurance in Florida

Currently, every vehicle owner insured in the state of Florida must maintain a no-fault insurance policy. This is designed to cover any damages or injuries to the insured, or the driver, and includes any damages or injuries obtained by any of his passengers in the event of a collision or accident. The state’s required minimum damage liability coverage is based on the only other major auto insurance regulation in Florida—the Financial Responsibility Law. This essentially covers the rest of the results of an accident, such as another person’s property.

Hands-Free Laws in Florida

It is no surprise these days to see an advertisement urging you to put down your phone and focus on the road when behind the wheel. Since technology began to really surge in the 1990s, accidents resulting from distracted drivers has been constantly increasing. Before texting really caught on in society, everyone thought they had seen drivers at their worst—swerving drunk or cutting people off while their ears were glued to their phones. Yet as our cell phones evolve to offer us everything and anything, more and more people are losing focus and causing collisions.

RESTRICTIONS ON TEXTING/CELL PHONE USE ON FLORIDA ROADS

Hand-held ban

N/A

Young drivers all cell phone ban

N/A

Bus drivers all cell phone ban

N/A

Texting ban

Applicable to all drivers

Enforcement

Secondary

 Cheapest Car Insurance in Florida

Finding affordable rates for effective insurance coverage can be like trying to find a needle in a haystack. Luckily, Florida’s laws are only moderately strict on vehicle policies. If you’re getting frustrated researching and trying to obtain the cheapest auto insurance in Florida, try our handy quote generating box. In seconds you will have all the details you need to compare pros and cons of each provider in your area until you find the best one for you.

Already insured? You are just a couple clicks away from seeing how much you could be saving by switching to the cheapest car insurance in Florida!

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