Florida Car Insurance

Auto Insurance Quotes in Florida

Are you looking for an affordable car insurance quote in Florida? Maybe you’ve been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage.

If you’re buying a new car, comparing auto insurance quotes, or looking to switch auto insurance providers, Dorsal Insurance Inc  has the information you need to make an informed decision. We make it easy for you to get a free Florida car insurance quotes. Call Us today

Required Car Insurance Coverage in Florida

Drivers need to make sure they have the auto insurance coverages required by the state of Florida to legally operate a motor vehicle:

These are the minimum Florida car insurance coverage requirements, but you should choose the coverage you need when getting an auto quote.

*Please note bodily injury liability and uninsured motorist coverages may be waived. Although bodily injury is not a required coverage in Florida, failure to have this coverage in place at the time of an accident that results in bodily injury or property damage, will result in state mandated requirement of bodily injury coverage for the next 3 years.

What are the factors that may impact car insurance rates in Florida?

Car insurance rates in Florida can be influenced by a variety of factors, including individual circumstances and external variables. These elements can play a significant role in determining the cost of auto insurance for residents, often resulting in a wide range of premium prices. Let’s take a closer look at each factor:

The year, make, and model of your vehicle

• More expensive cars may lead to higher premiums due to increased repair and replacement costs, while older, less valuable vehicles may come with lower insurance costs due to factors such as depreciation. However, the safety features and theft rates associated with specific makes and models also have significant influence on your insurance rates. Since each of these factors impact your premium, it’s important to quote vehicle changes to your policy when car shopping to best understand how a specific vehicle may increase or decrease your rates.

Your driving habits and annual mileage

• More time on the road or a history of accidents and violations can lead to higher premiums because they indicate a higher risk of potential claims. With car insurance in Florida, being a safe driver pays off.

Where you live in Florida

• Insurance companies analyze the frequency of accidents, thefts, vandalism, and other risks associated with different areas, and adjust premiums accordingly. Living in an area with a higher number of claims or auto-related incidents can lead to higher car insurance rates, while residing in neighborhoods with fewer car-related incidents may result in lower premiums.

Auto discounts that you may be eligible for

• Discounts, such as safe driver discounts, bundling, and multi-policy discounts, can help lower your premiums in Florida, making car insurance more affordable.

Florida Car Insurance Discounts