Are you searching for auto insurance quotes in Maitland,Florida? When comparing quotes online, you could save up to $600 on your annual insurance premiums!
See how much you could save by comparing our FREE Maitland, Florida car insurance quotes online NOW!
Auto insurance requirements in Maitland, Florida
The first requirement is that you policy is issued in Florida. If your insurance policy is from another state, it will not be valid.
Florida is a No-Fault State for auto insurance. If you are moving to Maitland from another State, you may be unfamiliar with No Fault insurance. If you want to find the right insurance for you, you must understand the law.
Here are the minimum legal auto insurance requirements:
- Personal Injury Protection – $10,000
- $10,000 of Property Damage Liability (PDL)
Personal Injury Protection (PIP) in Maitland,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Costs incurred through lost wages, medical expenses and other damages are all covered under your Personal Injury Protection policy. In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Maitland,Florida
This covers damages to other people’s property caused by you or a member of your family. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Auto insurance requirements in Maitland, Florida
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. Drivers who are required to carry SR22 insurance, have a bad driving record or have been at fault in an accident will fall in the high risk insurance category.
It is a criminal act to drive without auto insurance in Maitland, Florida. When you get caught you may face serious legal consequences. For the next 3 years you will have to file an SR22 Form to demonstrate you are a responsible driver. The DMV could suspend your driving privileges for up to three years!
Driving under the influence is another very serious driving offence. You will require an FR44 Formif you are convicted of DUI. Your insurance rates will increase if you are required to file an SR22 or FR44 form.
Tell me more about Florida No Fault
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.
A lot of people in Maitland, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being $10,000. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.
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 Maitland auto insurance
Insurance experts point out that going for the bare minimum coverage required is not a wise idea. The reason is that such a low coverage policy will not fully cover you in the event of an accident. Adding additional cover and choosing higher limits will probably save you money in the long run. 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.
Low cost auto insurance in Maitland, Florida
Believe it or not, it isn’t that difficult to find low cost auto insurance in Maitland, Florida. It really is as simple as shopping around and comparing quotes from reputable insurers. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. Auto insurance companies in Maitland, Florida are fighting for new business and that is a good news for you!
Always check what discounts are available to you as a new customer and what the insurance company can do to win your business.
Even if you need young drivers car insurance in Maitland you are still likely to get a discount under many circumstances How about getting cheaper quotes because of consitently good grades? 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!
Seniors drivers can also get discounts and enjoy low cost auto insurance in Maitland, Florida too. 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 Maitland car insurance quotes NOW and you could save up to $600!
Tags: Maitland Auto Insurance Quotes, Maitland FL Auto Insurance, Maitland Insurance Requirements
