Before you start shopping for Florida car insurance, it is important to know the type of coverage that you require. Florida requires you to have at least certain amounts PIP and liability coverage. These amounts are much lower than in other states so it may be worthwhile to buy more than the minimum. In this case, you may not be eligible for the necessary coverage to pay for damages from a major accident or for medical bills.
Allstate is the most affordable
Allstate is a top-rated car insurance company in Florida. However, their premiums are often higher than their competitors. They do not offer 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. In order to avoid this, drivers should be sure to keep a clean driving record and have a good credit score.
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 be a sign that Allstate provides better customer service compared to the competition.
State Farm is a great option for teens who drive.
Teen drivers can often find the cheapest car insurance with State Farm. The company offers comprehensive coverage at reasonable rates and offers many discounts to young drivers. Students who study full-time may qualify for a 25% drop in their premiums. By taking a driver education course for teens, they can reduce 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 offers discounts on car insurance for young drivers and mentorship to help them avoid accidents. Drive Safe & Save also allows you to monitor your teenager's driving habits and adjust your rates accordingly.
State Farm offers the lowest rates for low mileage drivers
State Farm offers some amazing discounts for low mileage drivers, which makes them a great choice for car insurance. You can save up to six per cent on your policy by taking the low-mileage Discount, which is available to drivers that travel less than seven thousand miles each year. You can also receive a five percent bonus if you complete a driver's education course. You must enroll in the course and get approved by a State Farm agent to qualify. Another discount is the vehicle safety feature discount, which can save you 40 percent on medical coverage. This discount is only for vehicles older than 1994 that have had a satisfactory crash test history.
For young drivers, State Farm offers Steer ClearR, an educational application that encourages drivers to drive safely. In-app courses can be completed, driving hours logged, and mentored to earn a certificate which gives you an insurance discount. 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.