Before you start shopping for Florida car insurance, it is important to know the type of coverage that you require. Florida law requires that you have minimum amounts of liability and PIP coverage. 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 the cheapest
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 with poor driving records or multiple accidents may see their premiums rise over time. Drivers who are involved in multiple accidents or have poor credit ratings may see their premiums rise.
According to the 2020 J.D. Power Auto Insurance Study shows that Allstate has the highest overall customer service satisfaction rate among all Florida auto insurance companies. Allstate was second in the rankings behind Esurance. This could suggest that Allstate's customer service is better than the rest.
State Farm is the most affordable for teens drivers
State Farm provides affordable car insurance for teens. The company offers comprehensive coverage at reasonable rates and offers many discounts to young drivers. Full-time students are eligible for a 25% decrease in their premiums. The teen driver education program can help lower teens' premiums. You can also take part in the Steer Clear program which is available to all young drivers below the age of 25.
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 best for low-mileage drivers
State Farm has great offers for low-mileage drivers and is a solid choice for car insurers. 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. If you successfully complete a driver education course, you can receive a five percent bonus. You will need to register for the course and have your State Farm agent approve you. You can also get a 40 percent discount on vehicle safety features. This discount could save you 40% on medical coverage. This discount is only available to vehicles older than 1994 with a clean crash test history.
Steer ClearR from State Farm is an educational application that encourages young drivers and drivers to be safe. You can earn an insurance discount by taking in-app courses and logging your driving hours. State Farm also offers Drive Safe & Save (tm), an insurance app that tracks your driving habits. It will track your speed, acceleration and hard braking and provide an estimate of the repair costs.