Dade City Auto Insurance

Are you looking for automobile insurance quotes in Dade City, FL? Are you aware that comparing quotes on the web can save you up to 35%?

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Auto insurance requirements Dade City, Florida

The No Fault insurance law is used in only a few states and Florida is one of them. If you are moving to Dade City from another state, you may be unfamiliar with No Fault insurance. If you want to find the right policy for you, you have to understand the law.

Here are the minimum car insurance requirements :

$10,000 of Personal Injury Protection
$10,000 of Property Damage Liability

Personal Injury Protection (PIP) – This part of your insurance policy, covers you in an accident regardless of who is at fault. It pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. In the unfortunate event of death, PIP will pay $5,000.

Property Damage Liability (PDL) – If you or a member of your family causes property damage to others, PDL will pay for it. ‘Property’ may include fences, buildings, cars or telephone poles.

Bodily Injury Liability (BIL) is not required for all drivers, but only for high risk ones. Those include drivers who have caused accident, need SR22 or have bad driving record

If your insurance policy is from another state, it will invalid in Florida.

It is against the low to drive uninsured in Dade City, Florida. Sooner or later you will be caught and will have to face charges. For the next 3 years you will have to fill SR22 Form. DMV could suspend your license for up to three years.

As a customer you have the right to:

Choose your own insurance company and broker
Purchase your policy without the influence of discrimination
Receive a fair coverage quote
Get copies of all forms and applications, including your policy, within 60 days
Have your claim investigated in an appropriate and timely manner
Receive payment for necessary repairs, or for the value of your vehicle, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurance carrier

Some people spend a few weeks of their year in Dade City, Florida and the remainder of it elsewhere. If you have a car in Florida for more than ninety days throughout the year, you must purchase at least the minimum PIP and PDL coverage.

What is No Fault Insurance Anyway?

In its pure sense, No Fault insurance usually means that each motorist is covered by his own insurance policy, in case of an accident. A motorist can not be sued for damages even if he was at fault.

But of course, no state in America enforces the No Fault law in such a strict form. The same is valid for Florida.

Some men and women in Dade City, Florida, are mislead into thinking that all cost will be covered by their policy.This is simply not true. Your insurance covers only the medical bills up to your limits. 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 regulated and under No Fault Insurance law all drivers must carry insurance for their own protection.

Other policies regarding Dade City car insurance

Insurance specialist state that going for the minimum coverage required is not a wise idea. The reason being that such a policy will not cover you full in the event of an accident. Adding additional cover and choosing higher limits will probably save you money in the long run.

Adding collision and comprehensive coverage.
Uninsured/Underinsured Motorist insurance coverage.
Adjusting your deductible to help offset some of the additional costs.

Cheap car insurance in Dade City, Florida

Many men and women don’t know how simple it is to find cheap car insurance in Dade City, Florida. All you have to do is shop around and compare quotes. Accepting your renewal quote is exactly what your insurer wants you to do, so don’t do it. Auto insurance companies in Florida are fighting for new business and that is a good news for you!

They offer discounts and exclusive rates which are only applicable to new clients.

Discounts are even available for young drivers in Dade City. Do you realize that some companies offer special discounts for good grades? Financial prize for good grades can only be a great thing.

Older drivers are given special discounts and enjoy cheap car insurance too. That’s because insurers know that older persons don’t drive fast cars recklessly and have less mileage per year.

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