Florida Car Insurance

Florida Car Insurance: Circumstances Change

Are you in need of new car insurance?  Have your premium rates gone through the roof for no apparent reason.  Now is a good time to call your Florida car insurance agent to get a current quote on a new policy.  Circumstances are changing all the time and your needs change along with them.  What was suitable for you three years ago may not hold true today.  You have gotten a little older and with that comes wisdom.  That wisdom equals maturity which equals responsibility.  So it may be that your driving record has improved quite a bit since the last time your received a insurance policy quote and as a result of that responsibility your rates will go down.

When receiving a quote there are still requirements and guidelines that remain the same.  The minimum Bodily Injury Liability limit is still set at $10,000 with a limit of $20,000 per accident.  In addition Property Damage Liability is set at $10,000.  You may not be aware of this, Florida follows a No-Fault system which means that no matter who is at fault for causing the accident each individuals insurance company will cover the damages and medical claims for their insured.  In addition Florida requires that drivers care Personal Injury Protection or PIP.  The minimum for Personal Injury Protection is $10,000. So you see there are still somethings that are constant and never changing.

On the other hand there are a few things that are your responsibility to make sure you get the best insurance policy quote you can.  The first is your driving record. Some insurance companies give discounts for a clean driving record in addition they will also give a discount for taking a defensive driving course.  The insurance company will also check to see if your have ever let a premium laps.  Another factor that will come into play when you receive a policy quote is your personal credit history.  Insurance companies will check your credit history and make a determination on your premium based on what they find.  There is a direct correlation between someones credit history and the amount damage claims that will be filed.  So be sure that you provide the insurance company with up to date and correct information, in addition try to pay all of your credit obligations on time. Your circumstances have changed, now is the time to call your insurance agent today and get the car insurance coverage you need at a premium rate you deserve.