Fort Lauderdale Auto Insurance

Do you need car insurance quotes in Fort Lauderdale, Florida? When comparing quotes on the web, you can easily save up to $600.

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Fort Lauderdale, Florida auto insurance requirements

The No Fault insurance law is used in only a few states and Florida is one of them. A lot of people, who move to Fort Lauderdale, do not understand No Fault insurance. In order to find the right insurance for you, you need to understand the law.

The law requires you to purchase a minimum cover of:

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

Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. It pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. PIP also pays a $5,000 death benefit.

Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. Fances, buliding and cars are regarded as “Properties”.

Only high risk drivers are required to carry Bodily Injury Liability (BIL) as well. More precisely, those that have caused accidents, need SR22 or have too many traffic violations.

A policy from another state will not be accepted in Florida, it must issued by an insurance company licensed to work in Florida.

Driving without insurance in Fort Lauderdale, Florida, is illegal. Sooner or later you will be caught and will have to face charges. You will be force to carry SR22 insurance and pay fines as well. Department of Motor Vehicles has the right to suspend your license for up to three years.

Here is a list of some of the rights you have as a purchaser:

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

Many people spend a few weeks of their year in Fort Lauderdale, Florida and the remainder of it elsewhere. Having a car in %stte% for more than 90 days a year, will require you to get the minimum PIP and PDL coverage.

What is No Fault Insurance Anyway?

Each motorist must have insurance policy which covers him in the case of an accident. The at fault motorist can not be sued for damages.

Of course, not a single state with No Fault law, enforces its principals that strictly. The same is valid for Florida.

A lot people in Fort Lauderdale, Florida, are under the impression that their policy will cover all costs.It is important to know that is not the case. Your policy covers (up to your limits of course) only the medical expenses. The at fault driver’s insurance should cover you if your property and car have been damaged.

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.

Should I consider any other type of cover for my Fort Lauderdale auto insurance policy?

Getting the bare minimum is not a good idea, according to experts. In a serious accident, such policy will hardly cover your expenses. 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.

Low cost car insurance in Fort Lauderdale, Florida

Many people don’t realize how simple it is to find affordable car insurance in Fort Lauderdale, Florida. The only thing you really need to do is to compare quotes. That’s right, never ever accept your renewal quote stright away. The good news for you is that insurance companies in Florida are fighting for each new buyer!

Normally, special rates and discounts are available to new clients.

Under some circumstances, even young drivers insurance in Fort Lauderdale may be cheaper than you think because of available discount rates. How about getting more affordable quotes because of good grades? 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 more affordable car insurance!

If you are a senior driver, you can also find affordable auto insurance. Older drivers don’t typically drive flash cars and don’t have high mileage per year.

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