Before you start shopping for Florida car insurance, it is important to know the type of coverage that you require. You must have at least certain levels of PIP and liability coverage in Florida. These amounts are significantly lower than what is required in most states. Therefore, it might be a good idea not to purchase the minimum. Without this coverage, you could not get the coverage you need to cover your medical bills or damages caused by a major incident.
Allstate is your best choice for insurance
Allstate is an excellent car insurance company, but their premiums tends to be more expensive than that of other companies. They do not offer poor coverage. Allstate even offers an accident forgiveness plan that lowers premiums for drivers who cause one or more accidents within the first five year of their driving. But, premiums could rise for drivers who have had multiple accidents or have a poor driving record. Drivers should have a clean driving history and a good credit rating to avoid this.
According to 2020 J.D. Power Auto Insurance Study shows that Allstate has the highest overall customer service satisfaction rate among all Florida auto insurance companies. Only Esurance came before Allstate in the rankings. This could suggest that Allstate's customer service is better than the rest.
State Farm is a great option for teens who drive.
Teen drivers can often find the cheapest car insurance with State Farm. State Farm offers affordable coverage and multiple discounts for young drivers. Students who are full-time can get a 25% reduction on their premiums. A teen driver education course can help teens lower their premiums. In addition, they can participate in the Steer Clear program, which is open to young drivers under the age of 25.
State Farm offers affordable teen car coverage in Florida. This program rewards young drivers with discounted car insurance rates and offers mentoring and practice driving hours to help drivers avoid accidents. The Drive Safe & Save program allows teens to monitor their driving habits and adjust their rates accordingly.
State Farm is the cheapest for low-mileage drivers
State Farm offers some amazing discounts for low mileage drivers, which makes them a great choice for car insurance. The low-mileage discount, available to drivers who travel less than 7500 miles per year, can save you up to six percent on your policy. A driver's education course can earn you a five-percent bonus. To qualify, you will need to complete the course. A vehicle safety discount, which can reduce your medical insurance by up to 40 percent, is another discount. However, this discount is only available for vehicles that are older than 1994 and have a good crash test history.
Steer ClearR is an educational app that encourages young drivers to drive safely. It's available from State Farm. You can earn an insurance discount by taking in-app courses and logging your driving hours. State Farm offers Drive Safe & Save(tm) which is a usage-based insurance program that tracks how you drive. It'll keep track of your speed and acceleration as well hard braking. You can also get an estimate on repair costs.