Getting Cheap Car Insurance In Florida

Florida is not called the sunshine state for nothing. The moderate temperatures and the sandy white beaches are a major tourist attraction. This ensures that residents and tourists populate the roads and highways at the same time. Apart from the fact that it is law, insurance is a much-needed commodity in this state. This is why car insurance comparisons Florida are often done in order to obtain cheap insurance if possible.

Because of all the traffic in this state, the occurrence of accidents is very high there. This one factor causes premiums to be higher than other states. The national average was about one thousand eight hundred ninety six dollars it was about two thousand and eighty dollars in two thousand and seven. This was significantly lower than in two thousand and six, the average for the state was then two thousand one hundred and five dollars. This need not upset drivers in that state as premiums vary from individual to individual.

Florida is a no fault state and this is to minimize the number of lawsuits filed by residents in this state. It also helps to keep the premiums as low as possible. These states dictate that each driver insurance company is liable for the insured expenses, irrespective of who was at fault. This means that each driver has to have PIP cover (personal injury protection). This amount cannot be less than ten thousand dollars. All of death benefits, lost wages and medical expenses are covered by PIP.

A couple of exceptions apply to the no fault rule. One is that is the amount of damage exceeds a certain figure, and then the party at fault can be sued for the cost of the damages.

Ten thousand dollars worth of bodily injury liability is therefore necessary to cover for this kind of scenario.