If you are looking for car insurance quotes in Orlando, Florida then you have come to the right place! When comparing quotes online, you may save up to 35% on your annual insurance premiums!
Get FREE Orlando, Florida car insurance quotes online now and see for yourself!
What are the auto insurance requirements in Orlando, FL?
It’s important to note that your policy has to be issued by a company licensed to do business in Florida and can not be from another State.
Florida is one of the States that applies the No Fault insurance law. A lot of people who come to live in Orlando are not familiar with No Fault insurance. Knowing and understanding 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 need to make a claim.
The minimum auto insurance requirements in Florida are:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability (PDL) – $10,000
Personal Injury Protection (PIP) in Orlando,Florida
Regardless of who is at fault in an accident, you are covered by PIP insurance. Costs incurred through lost wages, medical expenses and other damages are all covered under your PIP policy. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Orlando,Florida
This element of your auto insurance policy pays for damage you or a family member cause to others while driving. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Car insurance requirements in Orlando, FL
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. Drivers who are required to carry SR22 insurance, have a poor driving history or have been at fault in an accident will fall in the high risk insurance category.
Driving without auto insurance in Orlando, Florida, is illegal. You will face charges when you get caught. 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 license for up to 3 years!
As you probably know, DUI is considered a 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.
Florida No Fault insurance explained
No-Fault insurance simply means that each driver is covered by his own insurance 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.
Some men and women in Orlando, Florida however, are under the impression that their policy will cover all costs.It is important to know that is not the case. Your insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being ten thousnad dollars. The at fault driver’s insurance should cover you if your property and car have been damaged.
Florida No fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the ‘at fault’ party if you are seriously injured or disfigured.
Other policies you might consider for your Orlando auto insurance
Getting the bare legal minimum cover is not a great idea, according to experts. 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 car insurance in Orlando, Florida
Many people don’t realize how easy it is to find low cost car insurance in Orlando, Florida. The only thing you really need to do is to compare several quotes. And never ever simply accept a renewal quote from your current insurer stright away. The good news for you is that insurers in Orlando, Florida are fighting for each new customer!
In most cases, insurers offer special deals and discounts to each new customers.
Under many circumstances, even young drivers car insurance in Orlando, Florida may be cheaper than you think How about getting cheaper quotes because of consitently good grades? As a parent this is really a win-win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
If you are a senior driver, you can also find low cost car insurance in Orlando. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
What ever your auto insurance needs, compare Orlando car insurance quotes NOW and you could save up to $600!
Tags: Orlando Car Insurance Quotes, Orlando Florida Car Insurance, Orlando Insurance Requirements
