Before you begin shopping for Florida car insurance, you should understand the coverage you require. Florida requires that you carry minimum levels of liability and coverage for PIP. These amounts are much lower than in other states so it may be worthwhile to buy more than the minimum. Otherwise, you may not have the coverage you need to pay for the damages in a major accident or for your medical bills.
Allstate is your best choice for insurance
Allstate is the best car insurance company in Florida. However their premiums tend not to be as low as their competitors. This does not mean they provide poor coverage. Allstate actually offers an accident forgiveness program which lowers premiums to drivers who have had one accident in the first five years. Drivers who have been in multiple accidents, or with a poor driving history may see their premiums increase over time. To avoid this, drivers need to have a clean driving record as well as a high credit score.
According to the 2020 J.D. According to the 2020 J.D. Power Auto Insurance Study Allstate is the auto insurance company with the highest customer satisfaction in Florida. Allstate was only beaten by Esurance in the rankings. This could indicate that Allstate offers better customer service than its competitors.
State Farm is a great option for teens who drive.
State Farm often offers teens the cheapest car insurance. The company offers comprehensive coverage at affordable rates, and also offers multiple discounts to young drivers. Full-time students may be eligible for a 25% discount on their premiums. By taking a driver education course for teens, they can reduce their premiums. They can also participate in the Steer Clear program for young drivers between 25 and 35.
In addition to offering cheap teen car insurance in Florida, State Farm also has a range of driver safety programs, including Steer ClearR. This program provides discounts for young drivers, and also offers mentorship and practice driving hours that can help drivers avoid an accident. Drive Safe & Save can also monitor teenagers' driving habits and adjust rates accordingly.
State Farm is the cheapest insurance for low-mileage drivers
State Farm offers excellent discounts for low mileage drivers. This is an excellent choice if you're in search of a reliable car insurance company. Drivers who travel less 7500 miles per annum can get a low-mileage discount that could save you up six percent on their policy. Participating in a driver’s education course may also qualify you for a five percent bonus. To be eligible, you need to enroll in the course. Another discount is the vehicle safety feature discount, which can save you 40 percent on medical coverage. This discount is only available to vehicles older than 1994 with a clean crash test history.
For young drivers, State Farm offers Steer ClearR, an educational application that encourages drivers to drive safely. Users can earn insurance discounts by completing in-app trainings, logging driving hours and working with mentors. Likewise, State Farm also offers Drive Safe & Save(tm), a usage-based insurance app that records how you drive. It'll track your speed, acceleration, and hard braking, and give you an accurate estimate of repair costs.