If you are after auto insurance quotes in Clearwater, Fl then you have come to the right place! Did you know that by comparing auto insurance quotes online you could save you up to $600 on your annual insurance premiums?
Get FREE Clearwater, Florida car insurance quotes online now and see for yourself!
Auto insurance requirements in Clearwater, FL
First of all you must know that an insurance policy from another State will not be accepted in Florida, it must issued by an insurance company licensed to work in Florida.
The No Fault insurance law is used in only a few States and Florida is one of them. Most people who come to live in Clearwater do not understand Florida No Fault insurance. Understanding and knowing Florida No Fault insurance law will help you to select the right coverage for you and will also help you in the future, if you have to make a claim.
Here are the minimum legal auto insurance requirements:
- $10,000 of Personal Injury Protection (PIP)
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Clearwater,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Personal Injury Protection covers you for costs such as medical expenses, lost wages and other damages . Personal Injury Protection also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Clearwater,Florida
This covers damages to other people’s property caused by you or a member of your family. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Clearwater, FL
In Florida Bodily Injury Liability (BIL) is not required for everyone, only drivers in the higher risk insurance groups. Higher risk dirvers include those who have previously caused an accident, need SR22 insurance or have poor driving record.
Driving without auto insurance in Clearwater, Florida, is illegal. When you get caught you may face serious legal consequences. On top of any fines you may have to pay, you will be also required to have SR22 insurance. The DMV could suspend your license for up to 3 years!
Another serious driving offence is DUI. You will require an FR44 Formif you are convicted of DUI. SR22 and FR44 will, inevitably, mean you will have to pay more for your auto insurance premiums.
What is Florida No Fault Insurance?
No-Fault simply means that each driver must have insurance which covers them in the case of an accident but have restricted rights to legally seek recovery for losses caused by the accident. In this way a driver cannot be sued for damages even if they were at fault.
Many people in Clearwater, Florida however, are misled into thinking that all cost will be covered by their policy.It is important to know that is not the case. Your auto insurance policy only covers (up to your insurance limits ) only the medical expenses. The at fault driver’s insurance should cover you if your property and car have been damaged.
The ability to sue other drivers for damages is closely regulated and under Florida No Fault Insurance law, all drivers must carry insurance for their own protection.
Other policies you might consider for your Clearwater auto insurance
Insurance professionals point out that going for the legal minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious accident. To be properly insured always go with higher limits and also add additional cover to your policy. Adding additional cover could include:
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Increasing your deductible to help offset some of the additional costs.
Cheap auto insurance in Clearwater, Florida
Believe it or not, it isn’t that difficult to find low cost auto insurance in Clearwater, Florida. All you need to do is shop around and compare quotes from several insurers. And never ever simply accept a renewal quote from your current insurer stright away. Auto insurance companies in Clearwater, Florida are fighting for new business and that is a good news for you!
In most cases, insurers offer discount rates to each new customers.
Discounts are even available for young drivers in Clearwater. Did you know that some insurance companies will offer discounts for consitently good grades at school? As a parent that’s what you may call this a win win situation – your insurer will financially reward your son or daughter for good grades!
If you are a senior driver, you can also find low cost auto insurance in Clearwater. Senior drivers don’t usually driver fast, flash cars and don’t have a high mileage per year.
Stop wasting your hard earned dollars, compare Clearwater car insurance quotes NOW and you could save up to $600!
Tags: Clearwater Auto Insurance Quotes, Clearwater Florida Auto Insurance, Clearwater Insurance Requirements
