If you are thinking about driving without insurance, rethink before you get behind the wheel. While auto insurance can be seen as expensive and unnecessary, neither case is a reality. Smart shopping can save hundreds on insurance costs. Remember, having the minimum required insurance is a legal necessity whether you ever have an accident or not.
Auto Insurance Minimums in Orlando, FL
Florida state insurance laws establish minimum auto insurance requirements in Orlando, FL. These minimums are quite low compared to some other states. If you carry only the minimums, you will purchase an auto insurance policy that covers an individual for up to $10,000 (up to a total of $20,000 per accident) for personal injury. The other minimal component is coverage for property damage of up to $10,000.
While Florida is one of the few states not requiring uninsured or underinsured driver coverage, many people consider this an important coverage to carry as part of their minimum coverage.
Average Auto Insurance Rates in Orlando, FL
Living in Orlando is a bit of a mixed bag from the auto insurance perspective. Those living in the city itself pay nearly 6% more than those living in Brevard County. On the other hand, at an average of $1,653, the rates paid in Orlando are nearly 24% lower than the average for the entire state. It is important to remember that those are averages. A little bit of careful shopping can save hundreds over these rates.
How to Compare and Find an Affordable Car Insurance in Orlando, FL
Many people fail to understand that insurance rates can vary widely by company and the types of coverage selected. Insurance is all about covering risks. Beyond the state minimums that everyone has to carry, there are a large number of options that affect your total insurance bill. In many cases, drivers are paying to cover risks that they would be better off assuming themselves. At the same time, you always want to know you have the right coverage to prevent an automobile accident from being a financial disaster.
Few people are going to take the time to read through various policies and compare rates and coverage. Actually, trying to do so would be frustrating and generally fail to provide the information you need to be able to make good decisions. In choosing auto insurance you need to know what coverage is available and what they cost. Most importantly, once you have this information, you need to compare prices between companies based on your individual age, driving record and the type of car you own.
In this the Internet age, the single best way to achieve this goal and find affordable car insurance is by shopping online. Services that compare coverage and rates between individual companies can make the process painless and save a great deal of time and money.
For example, the information you will find on such websites as www.floridacarinsurancefl.com provide all the information you require to get just the right coverage with potentially significant savings. Take the time to drive insured at the best possible rates.Auto Insurance Guide - A Toolkit for Consumers
Florida's Department of Financial Services
Florida Insurance Council