If you are searching for car insurance quotes in St. Petersburg, Florida then you have found the right place! Did you know that simply comparing car insurance quotes online you can save you up to 35% on your annual insurance premiums?
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St. Petersburg, 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 St. Petersburg from another State, you may be unfamiliar with No Fault insurance. In order to find the right policy for you, you need to understand the law.
Florida State law requires you to carry a minimum auto insurance coverage of:
- Personal Injury Protection – $10,000
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in St. Petersburg,Florida
Regardless of who is at fault in an accident, you are covered by PIP insurance. PIP pays for costs such as medical expenses, lost wages and other damages . PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in St. Petersburg,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 Car insurance requirements in St. Petersburg, FL
In Florida Bodily Injury Liability (BIL) is not required for everyone, only drivers in the higher risk insurance groups. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
It is illegal to drive without auto insurance in St. Petersburg, FL. 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 Department of Motor Vehicles has the right to suspend your driving privileges for up to three years!
Driving under the influence is another very serious driving offence. If found guilty of DUI, you will need an FR44 Form. Your insurance rates will increase if you are required to file an SR22 or FR44 form.
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.
A lot of drivers in St. Petersburg, 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. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
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.
As a driver in St. Petersburg – What other cover should I consider?
Insurance experts 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.
Affordable car insurance in St. Petersburg, FL
Believe it or not, it isn’t that difficult to find low cost car insurance in St. Petersburg, FL. All you need to do is shop around and compare quotes from several insurers. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. You are in control because the insurance companies in St. Petersburg, FL are doing all they can to attract new customers!
Always check what discounts are available to you as a new customer and what the insurance company can do to win your business.
Under many circumstances, even young drivers car insurance in St. Petersburg, FL 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 St. Petersburg. That’s because insurance companies know that seniors don’t drive fast cars recklessly and do less miles per year.
What ever your auto insurance needs, compare St. Petersburg car insurance quotes NOW and you could save up to 35%!
Tags: St. Petersburg Auto Insurance Quotes, St. Petersburg Florida Auto Insurance, St. Petersburg Insurance Requirements
