If you are shopping around for auto insurance quotes in Palm Beach Gardens, Florida then you have found the right place! Did you know that simply comparing auto insurance quotes online you can save you up to $600 on your insurance rates?
If you want BIG savings on your Palm Beach Gardens car insurance quotes, use our FREE service NOW!
Palm Beach Gardens, FL auto insurance requirements
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 one of the States that applies the No Fault insurance law. If you are moving to Palm Beach Gardens from another State, you may be unfamiliar with No Fault insurance. Understanding and knowing Florida No-Fault insurance law will enable you to select the right coverage for you and will also help you if you have to make a claim in the future.
The minimum auto insurance requirements in Florida are:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in Palm Beach Gardens,Florida
In the event of an accident, your PIP policy would payout without regard to fault. 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 Palm Beach Gardens,Florida
This part of your auto insurance policy pays for damage you or a family member cause to others while driving. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Palm Beach Gardens, FL
High risk drivers may also be required to have Bodily Injury Liability (BIL) insurance. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
It is against the law to drive without auto insurance in Palm Beach Gardens, FL. 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 has the right to suspend your driving privileges for up to 3 years!
As you probably know, DUI is considered a serious driving offence. A driving under the influence conviction will result in you having to file a FR44 Form. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car 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. This means, even if you are at fault, you can not be sued for damages.
Some drivers in Palm Beach Gardens, Florida however, are under the impression that their policy will cover all costs.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 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.
Should I consider any other type of cover for my Palm Beach Gardens auto insurance policy?
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.
Cheap auto insurance in Palm Beach Gardens, FL
Believe it or not, it isn’t that difficult to find low cost auto insurance in Palm Beach Gardens, FL. The only thing you really have to do is to compare several quotes. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. Auto insurance companies in Palm Beach Gardens, FL are fighting for new business and that is a good news for you!
In most cases, auto insurance companies offer discount rates to each new customers.
Discounts are even available for young drivers in Palm Beach Gardens. Did you know that some insurance companies will offer discounts for consitently good grades at school? 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 auto insurance in Palm Beach Gardens. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
What are you waiting for, compare Palm Beach Gardens car insurance quotes NOW and you could save up to 35%!
Tags: Palm Beach Gardens Auto Insurance Quotes, Palm Beach Gardens FL Auto Insurance, Palm Beach Gardens Insurance Requirements
