Before you begin shopping for Florida car insurance, you should understand the coverage you require. 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. 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 considered one of the most popular car insurance companies in Florida. However, their premiums tend be higher than that of their rivals. This does not mean they provide poor coverage. Allstate has an accident forgiveness program that lowers premiums for drivers who are involved in one accident within their first five years. Drivers with poor driving records or multiple accidents may see their premiums rise over time. Drivers should have a clean driving history and a good credit rating to avoid this.
According to the 2020 J.D. Power Auto Insurance Study, Allstate has the highest overall customer satisfaction among auto insurance companies in Florida. Allstate was followed by Esurance. 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. Students who are full-time can get a 25% reduction on their premiums. Teenagers can also lower their premiums by taking a teen driver education course. The Steer Clear program is also available for young drivers under 25.
State Farm offers cheap Florida teen car insurance. They also offer a variety of driver safety programs including Steer ClearR. This program offers discounts on car insurance for young drivers and mentorship to help them avoid accidents. Their Drive Safe & Save program monitors the driving habits of teenagers and adjusts their rates accordingly.
State Farm is the most affordable for low-mileage drivers
State Farm offers excellent discounts for low mileage drivers. This is an excellent choice if you're in search of a reliable car insurance company. 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. 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. The vehicle safety feature discount can also be a discount that can help you save up to 40% 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 is an educational app that encourages young drivers to drive safely. It's available from State Farm. By completing in-app courses, logging driving hours, and working with a mentor, users can earn a certificate that gives them an insurance discount. Likewise, State Farm also offers Drive Safe & Save(tm), a usage-based insurance app that records 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.