Compare Auto Insurance Quotes Florida, How to compare policies.

Florida auto insurance can cost a lot, but basic policies tend to cost much less. If you want coverage for your vehicle, you’re better off spending your comparison-shopping time reviewing basic policies. In other words, avoid looking at mid-range and high-end policies. Especially when you visit the official websites of insurance companies. Most companies will label their policies based on whether they offer basic, mid-range or high-level coverage. Some companies may even allow you to customize your own auto policies. So, you will have choices. Knowing what’s out there is really the key to getting a great deal.

What do I need to know about my auto coverage?

Before diving into purchasing a policy online somewhere like this, it’s important that you know these facts. This information will come in handy when the time comes to pick a policy. First, all residents of the Sunshine State are required to have the minimum coverage listed below.

  • $10,000/$20,000 Bodily Injury Liability Coverage
  • $10,000 Property Damage Liability Coverage
  • $10,000 Personal Injury Protection

As a FL policyholder you can reject bodily injury coverage by writing into your insurance company. However, just because you can, doesn’t mean its recommended. This coverage will be able to help you pay for the other drivers accident related expenses.

How to Research FL Auto Insurance Policies

You’ll need to look at several policies of the basic type in order to find auto insurance Florida residents consider affordable. The best way to get the ball rolling is to find a few trustworthy insurance companies. A lot of famous companies are out there and you’ve probably heard of these firms already, via ads. You may start the hunt by visiting these firms online. If you don’t know any companies, its as simple as a Google search.

Once you have some good companies to check out be sure to look at customer reviews if you want more insight about whom to buy from. You may use this “short list” in order to research policies. Visit each company on your list and then review every policy that they sell. Most companies will only offer two or three policies, so this part of the comparison-shopping process shouldn’t be too long-winded.

Once you’ve reviewed policies at, you should have an idea of how much insurance is needed. For example, if you do decide that basic coverage is the way to go, you’ll find that selecting the right basic policy is all about comparing basic policies from a few different providers and then using quote calculators in order to find the best price on a preferred level of coverage.

Utilize Online Quote Calculators

Online quote calculators offer comparison-shoppers so many advantages and they are free to use. You’ll find them at insurance company websites. It’s rare that an insurance company won’t offer this type of software app via its home page, so look around and see if the companies on your short list provide these quote generating apps. If you find them, use them in order to find out how much policies will cost. It’s best to begin with collecting Florida car insurance quotes for policies that are very similar. Comparing quotes for similar policies makes a lot more sense than comparing quotes for policies with differing levels of coverage.

So, focus on finding comparable policies. Doing so will allow you to save money by giving you access to a variety of quotes, one of which is likely to be lower than the others. If you find a low price on a policy which seems to have all of the right features compared to the others, this will usually be a good one to buy. Just make sure that the insurance company which offers it is aboveboard, with a strong and positive business reputation.

Now that you know more about how to find car insurance Florida drivers want, why not use in order to review companies, policies and premium prices? When you do, you’ll be shopping like smart and savvy experts do. It’s all about collecting enough data to make a wise and informed decision as a consumer. Once you’ve found the right policy via our comparison-shopping method, you’ll be ready to move forward and apply for that policy.