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 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 most affordable
Allstate is the best car insurance company in Florida. However their premiums tend not to be as low as 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. To avoid this, drivers need to have a clean driving record as well as a high credit score.
According to 2020 J.D. Power Auto Insurance Study, Allstate has the highest overall customer satisfaction among auto insurance companies in Florida. Only Esurance came before Allstate in the rankings. This could suggest that Allstate's customer service is better than the rest.
State Farm is the best for teenager drivers
State Farm often offers teens the cheapest car insurance. The company provides affordable, comprehensive coverage. Young drivers can also get multiple discounts. Students who study full-time may qualify for a 25% drop in their premiums. A teen driver education course can help teens lower their premiums. In addition, they can participate in the Steer Clear program, which is open to young drivers under the age of 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. The Drive Safe & Save program allows teens to monitor their driving habits and adjust their rates accordingly.
State Farm offers the lowest rates for low mileage drivers
State Farm offers some amazing discounts for low mileage drivers, which makes them a great choice for car insurance. Drivers who travel less 7500 miles per annum can get a low-mileage discount that could save you up six percent on their policy. Participating in a driver’s education course may also qualify you for a five percent bonus. To qualify, you must complete the course and be approved by a State Farm agent. A vehicle safety discount, which can reduce your medical insurance by up to 40 percent, is another discount. However, this discount is only available for vehicles that are older than 1994 and have a good crash test history.
Steer ClearR, a State Farm educational application, is available for young drivers. In-app courses can be completed, driving hours logged, and mentored to earn a certificate which gives you an insurance discount. Likewise, State Farm also offers Drive Safe & Save(tm), a usage-based insurance app that records how you drive. It will track your speed, acceleration and hard braking and provide an estimate of the repair costs.