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wpid Florida car insurance Compare auto insurance for the Best Car Insurance in Florida!


Compare auto insurancee for the Best Car Insurance in Florida!

A “Florida Coverage.” Is there such a thing? Well, there is. It only means your car insurance policy must be issued by an insurance company duly licensed by the Florida Department of Financial Services. Why a “Florida Coverage”? Consider the large amount of aggressive drivers, heavy traffic, road rage issues and not to mention the weather (frequent heavy rains and heavy winds). Drivers must stay alert and, most importantly, have the peace of mind that they are in one way or another covered by an insurance policy.

First things first before finding the best car insurance in Florida. Compare auto insurance for the best car insurance in Florida. Basically, Florida requires a minimum liability requirements. What does this mean? It means following Florida’s Financial Responsibility Law, which includes coverage for incidents such as crashes, wherein the insured is the one at fault. This is an indispensable coverage to have, because in an accident, it’s not just the lives of the motorists that are affected, but also the passengers with them, who could very well be family members. An amount of US$10,000 can be calmed for a single person who sustains injuries. This amount increases when there are more than one passenger injured and for the property damages.

Also, it is important to keep in mind ;that car insurance requirement in Florida does not include compensation for the insured’s vehicle in case the driver at-fault accident. Remember that these laws are for basic coverage only. More coverage options are available to ensure the vehicle and the drivers safety. One such coverage that people can add to their policy is the No Fault coverage, which protect them from drivers at fault who are without insurance.

It is also important to remember that if one should fail to maintain insurance on vehicles, it may mean suspension of driving privileges or having a car’s tags and registration suspended up to three years or until valid proof of a Florida automobile policy is presented. A fine of $150 up to $500 may also be charged. So it is always wise to keep your car insurance in check.

For the best car insurance in Florida it may be good to compare different insurance providers online and read on the reviews for each. It is wise to keep in mind not just the discounts one may get but also has good practice, direct, accessible and has good customer service. Some of the best insurers in Florida are: State Farm, The General Auto Insurance, Progressive, AAA, Geico, Mercury, Nationwide, Esurance and Liberty Mutual. Getting discounts is definitely a must so ask for it while applying for the insurance. Discounts may be availed in various ways: age, a good driving record, keeping a low mileage, education level and grades, good credit rating and having a car garage to name a few.

In general, finding the best car insurance in Florida would require a reasonable amount of time for research and a wise decision on what insurance company to go for. Remember to consider these factors: rates, discounts and customer service value in car insurance plan. Compare auto insurance since this is not time consuming and would save your lots of dollars.

 Fall brings cooler weather, beautiful colors and a spike your odds of having a deer accident.

This topic may feel more like a community service message than an insurance topic. However, all drivers need to be alert for a peak accident season coming up within the next month that you will need insurance coverage for.

Is it the drunk driving season? Well-yes, but we will cover that one in a different post.

The peak accident season that I am talking about right now is deer accident season. The higher number of deer on the roads this time of year increases your chance that you will end up having to file a claim for a deer accident.

For deer (and other animals) the fall holds two critical seasons for them. First, it is hunting season. But, contrary to popular belief, hunting season is not the reason for the increase in deer accidents. During hunting season deer still stay very close to their normal habitat. Also there is little hunting done close to the main roads to cause a deer to be spooked by a hunter and dart out into traffic.

Second, November is the mating month for deer. Now this is the main reason behind the increase in car vs. deer accidents. During mating season, deer venture off to find a mate. They leave their normal habitat and whether alone or with the herd they are going to be crossing roads to find that mate. Naturally, the more deer out on the roads the higher chance of a deer accident.

The roaming behavior during this time of year, in addition to more and more humans living in what is deer habitat, brings us together. Throw in a vehicle and an animal that spooks easily and you have the perfect conditions for a car/deer accident.

If you think about a deer accident, technically a collision has occurred. But, no matter if it is you hitting them or even them hitting you (yes, these animals have been known to run into vehicles), any animal hit actually falls under your comprehensive coverage. It doesn’t matter if the animal is alive when you hit them or dead it is all the same.

This is actually good news for you as comprehensive coverage claims have less impact on your insurance premium. Also your comprehensive coverage deductible is usually lower than your collision coverage deductible.

On the other side, if you were to swerve to miss a deer and you ran into a guardrail or a tree; this would fall under your collision coverage.

With the increased chance of having a deer accident during this time of year, you may want to consider lowering your comprehensive coverage deductible during this time. Yes, this will create a small increase in your comprehensive coverage premium. However, the increase will be smaller than what you would end up paying out for your comprehensive coverage deductible if you were to have a deer accident.

It would also be a good idea to add this coverage to your insurance if you don’t already have it. It is better to have the comprehensive coverage and not need it, rather than need it for a deer accident and not have it.