If you live in Tampa, Florida or you need to visit for longer than 90 days you must have Florida auto insurance.
Remember that driving without car insurance is against the law. You must obtain auto insurance even for vehicle which you may not be using at the moment,if it has Florida registration tag.
You must obtain auto insurance from Florida, not another state.
Newcomers can be amazed or horrified by Tampa auto insurance rates. Compared to some of the less populated urban areas, the price will be much higher. Of course a newcomer from Chicago or even Miami will feel relief that Tampa auto insurance rates seem like a bargain.
Either way car owners need to understand Florida’s auto insurance laws before comparison shopping for rates and coverage. When looking to cut cost of living, auto insurance is not the place to start.
Tampa Auto Insurance Requirements
The minimum coverage required is:
1. PIP – Personal Injury Protection, $10,000.
2. $10,000 Property Damage Liability, referred to as PDL
Additionally, if you have been involved in an accident, or have been convicted of certain offences, you may be required to purchase Bodily Injury Liability (BIL) coverage.
The No Fault auto insurance law is used in Florida.
This means that if you are involved in an accident, your insurance company will cover your medical expenses, regardless of who was at fault. The property damages must be covered by the at fault party.
How to save on Tampa Auto Insurance?
Recent statistics show that residents of Tampa pay slightly higher vehicle insurance premiums compared to other cities in Florida.
That being said, there are a lot of things you can do in order to reduce your monthly car insurance payments.
1. Reduce your mileage – walk,carpool and biking are all good options. Driving less means cheaper auto insurance and less money for gas too.
2. Be a carefully driver- if you have speed tickets or other traffic violations, car in Tampa will not come cheap.
3. Go online and compare – don’t accept your renewal quote, shop around instead.
Get free Tampa auto insurance quotes in minutes and see how much you can save today.
