Before you go shopping for car insurance in Florida, you should know what kind of coverage you need. Florida law requires that you have minimum amounts of liability and PIP coverage. These amounts are significantly lower than what is required in most states. Therefore, it might be a good idea not to purchase 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 considered one of the most popular car insurance companies in Florida. However, their premiums tend be higher than that of their rivals. They offer excellent coverage, however. Allstate even offers an accident forgiveness plan that lowers premiums for drivers who cause one or more accidents within the first five year of their driving. Drivers with poor driving records or multiple accidents may see their premiums rise over time. To avoid this, drivers need to have a clean driving record as well as a high credit score.
2020 J.D. Power Auto Insurance Study found that Allstate enjoys the highest overall customer satisfaction of all auto insurance companies in Florida. Allstate was only beaten by Esurance in the rankings. This could mean that Allstate has better customer service than the competition.
State Farm is the cheapest for teen drivers
State Farm often offers teens the cheapest car insurance. State Farm provides comprehensive coverage at affordable rates and offers 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. The Steer Clear program is also available for young drivers under 25.
State Farm provides affordable teen car insurance in Florida. It also offers a wide range of driver safety programs like Steer ClearR. This program offers young drivers discounts on their car insurance and mentoring to ensure they avoid any accidents. In addition, their Drive Safe & Save program can monitor the way teenagers drive and adjust their rates based on their driving habits.
State Farm is the cheapest insurance for low-mileage drivers
State Farm offers some amazing discounts for low mileage drivers, which makes them a great choice for car insurance. Low-mileage discounts are available for drivers who drive less than 7500 mile per year. This can help you save up to six percent on your insurance. You can also receive a five percent bonus if you complete a driver's education course. To qualify, you must complete the course and be approved by a State Farm agent. Another discount is the vehicle security feature discount. This can help you to save 40 percent on your medical coverage. However, this discount is only available for vehicles that are older than 1994 and have a good crash test history.
Steer ClearR by State Farm is an educational program that encourages safe driving habits in young drivers. You can earn an insurance discount by taking in-app courses and logging your driving hours. State Farm also offers Drive Safe & SaveTM, an app that tracks how much you drive. It'll track your speed, acceleration, and hard braking, and give you an accurate estimate of repair costs.