You should be aware of the types of coverage you need before you start looking for Florida auto insurance. Florida requires that you carry minimum levels of liability and coverage for PIP. These amounts are significantly lower than what is required in most states. Therefore, it might be a good idea not to purchase the minimum. You may not be able to cover the costs of major accidents or medical bills.
Allstate is the best deal
Allstate is an excellent car insurance company, but their premiums tends to be more expensive than that of other companies. 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. But, premiums could rise for drivers who have had multiple accidents or have a poor driving record. This can be avoided by drivers who have a clean driving track and good credit scores.
According to the 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 followed by Esurance. This could suggest that Allstate's customer service is better than the rest.
State Farm is the most affordable for teens drivers
State Farm provides affordable car insurance for teens. The company offers comprehensive coverage at reasonable rates and offers many discounts to young drivers. Full-time students are eligible for a 25% decrease in their premiums. A teen driver education course can help teens lower their premiums. You can also take part in the Steer Clear program which is available to all young drivers below the age of 25.
In addition to offering cheap teen car insurance in Florida, State Farm also has a range of driver safety programs, including Steer ClearR. This program provides discounts for young drivers, and also offers mentorship and practice driving hours that can help drivers avoid an accident. The Drive Safe & Save program allows teens to monitor their driving habits and adjust their rates accordingly.
State Farm is the best for low-mileage drivers
State Farm has great offers for low-mileage drivers and is a solid choice for car insurers. A low-mileage discount is available to drivers who travel less that 7500 miles annually. It can save you as much as six percent on your policy. Completing a driver's training course will earn you a five per cent bonus. You must enroll in the course and get approved by a State Farm agent to qualify. Another discount is the vehicle safety feature discount, which can save you 40 percent on medical coverage. The discount is only applicable to vehicles that were manufactured after 1994 and have a clear crash test history.
Steer ClearR from State Farm is an educational application that encourages young drivers and drivers to be safe. By completing in-app courses, logging driving hours, and working with a mentor, users can earn a certificate that gives them an insurance discount. State Farm also offers Drive Safe & Save (tm), an insurance app that tracks your driving habits. It will track your speed, acceleration and hard braking and provide an estimate of the repair costs.