If you are after auto insurance quotes in Temple Terrace, Florida then you have found the right place! You can save up to 35% by shopping around and comparing auto insurance quotes online!
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Temple Terrace, Florida auto insurance requirements
It’s important to note that your insurance 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. If you are moving to Temple Terrace from another State, you may be unfamiliar with No Fault insurance. In order to find the right insurance for you and your family, you need to understand the law.
Here are the minimum legal auto insurance requirements:
- Personal Injury Protection – $10,000
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Temple Terrace,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Personal Injury Protection pays 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 Temple Terrace,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 Temple Terrace, Florida
In the State of Florida Bodily Injury Liability (BIL) is not required for everyone, just drivers in the higher risk insurance groups. 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.
Driving without auto insurance in Temple Terrace, FL, is against the law. When you get caught you may face serious legal charges. You are likely to be forced to carry SR22 insurance and pay any fines issued against you. The DMV could suspend your driving privileges for up to three years!
As you probably know, DUI is considered a serious driving offence. A DUI conviction will result in you having to file a FR44 Form. SR22 and FR44 will, of course, mean you will have to pay more for your auto insurance premiums.
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.
A lot of men and women in Temple Terrace, 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 ten thousnad dollars. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
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 Temple Terrace auto insurance
Insurance experts point out that going for the legal minimum coverage required is not a wise idea. In a serious accident a minimum coverage policy will hardly cover your expenses. 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 Temple Terrace, FL
Finding cheap auto insurance in Temple Terrace, FL, is easier than you think. It really is as simple as shopping around and comparing quotes from reputable insurers. Accepting your insurance quote is exactly what your insurance company wants you to do, so don’t do it. The good news for you is that insurers in Temple Terrace, FL are fighting for each new customer!
Always check what discounts are available to you as a new customer and what the insurance company can do to win your business.
Discounts are even available for young drivers in Temple Terrace. 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!
Seniors drivers can also get discounts and enjoy cheap auto insurance in Temple Terrace, FL too. That’s because insurance companies know that seniors don’t drive fast cars recklessly and do less miles per year.
Stop wasting your hard earned dollars, compare Temple Terrace car insurance quotes NOW and you could save up to $600!
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