Looking for auto insurance quotes in Winter Haven, Florida? When comparing quotes online, you could save up to $600.
Get FREE Winter Haven, Florida auto insurance quotes now and see for yourself!
What are the auto insurance requirements in Winter Haven, FL?
Florida is one of the states using No Fault insurance law. If you are moving to Winter Haven from another state, you may be unfamiliar with No Fault insurance. If you want to find the right insurance for you, you need to understand the law.
The law requires you to carry a minimum cover of:
- PIP – $10,000
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) – This part of your insurance, covers you in an accident regardless of who is at fault. Personal Injury Protection covers some of the costs for medical expenses and lost wages. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. Fances, buliding and cars are regarded as “Properties”.
Bodily Injury Liability (BIL) is not required for all drivers, but only for high risk ones. More precisely, those that have caused accidents, need SR22 or have too many traffic violations.
Your insurance policy has to be issued by a company licensed to do business in Florida and can not be from another state.
Driving uninsured in Winter Haven, FL, is a criminal offence. When you get caught you will face charges. On top of any fines you have to pay, you will be also required to have SR22 insurance. Department of Motor Vehicles can suspend your driving privileges for up to three years.
Driving under the influence is another very serious and punishable offence. driving under the influence conviction will result in you having to fill a FR44 Form. SR22 and FR44 will, of course, mean you will have to pay much more for you auto insurance.
Don’t forget that as a customer you have rights too.
- Choose your own insurance company and agent
- Purchase your policy without the influence of discrimination
- Obtain a fair coverage quote
- Receive copies of all forms and applications, including your policy, within 60 days
- Have your claim investigated in a proper and timely manner
- Acquire payment for necessary repairs, or for the value of your car, within 20 days of signing a settlement agreement
- File a complaint with your insurance company
Some people spend a few months of their year in Winter Haven, FL and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and PDL coverage.
Florida No Fault insurance explained
No Fault insurance’s true meaning is that each driver is covered by his own insurance in the case of an accident. A driver can not be sued for damages even if he was at fault.
Of course, not a single state with No Fault law, applies its principals that strictly. Florida is no exception.
Many drivers in Winter Haven, Florida, are mislead into thinking that all cost will be covered by their policy.It is important to know that is not the case. Your policy covers (up to your limits of course) only the medical expenses. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
Florida no fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the at fault party if you meet certain thresholds like major bodily function, disfigurement or significant scarring.
Should I consider any other type of cover for my Winter Haven auto insurance policy?
Insurance specialist state that going for the minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious accident. To be properly insured always go with higher limits and also add additional cover to your policy.
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Adjusting your deductible to help offset some of the additional costs.
Cheap auto insurance in Winter Haven, FL
Believe it or not, it is not that difficult to find cheap auto insurance in Winter Haven, Florida. All you need to do is shop around and compare quotes. Accepting your insurance quote is exactly what your insurance company wants you to do, so don’t do it. The good news for you is that insurers in Florida are fighting for each new customer!
In most case special rates and discounts are offered to each new customers.
Under some circumstances, even young drivers insurance in Winter Haven may be cheaper than you think because of available discounts. How about getting cheaper quotes because of good grades? This is really a win win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
If you are a senior drivers, you can also find cheap auto insurance. The lower yearly mileage and the fact senior drivers don’t driver expensive cars are just some of the reasons.
What are you waiting for, compare Winter Haven auto insurance quotes now and you could save up to $600!
