Lantana Auto Insurance

Seeking auto insurance quotes in Lantana, Florida? When comparing quotes on the net, you can certainly save up to 35%.

Get instant, no obligation, Lantana auto insurance quotes now

What are the auto insurance requirements in Lantana, FL?

Florida is one of the states using No Fault insurance law. If you are moving to Lantana from another state, you may be unfamiliar with No Fault insurance. If you want to find the right insurance for you and your family, you have to understand the law.

The minimum auto insurance requirements in Florida are:

$10,000 of Personal Injury Protection
PDL – $10,000

Personal Injury Protection (PIP) – Irrespective of who is at fault in any sort of accident, you are covered. 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.

In Florida Bodily Injury Liability (BIL) is not required for everyone, only drivers in the high risk group. Those include drivers who have caused accident, need SR22 or have bad driving record

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 Lantana, Florida, is against the low. 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 has the power to suspend your driving privileges for up to 3 years.

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

Pick your own insurance company and broker
Obtain your policy without the influence of discrimination
Obtain a fair coverage quote
Receive copies of all forms and applications, including your insurance policy, within 60 days
Have your claim researched in a proper and timely manner
Acquire payment for necessary repairs, or for the value of your vehicle, within twenty days of putting your signature on a settlement agreement
File a complaint with your insurance company

A lot people spend a few months of their year in Lantana, Florida and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you have to 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, in case of any sort of accident. A motorist can not be sued for damages or injuries even if he was at fault.

Needless to say, not a single state with No Fault law, enforces its principals that strictly. Florida is no exception.

Some drivers in Lantana, 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. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.

Florida no fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the at fault party if you meet certain thresholds like major bodily function, disfigurement or significant scarring.

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

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. To be properly insured always go with higher limits and also add additional cover to your policy.

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

Low cost auto insurance in Lantana, Florida

Believe it or not, it is not that difficult to find cheap auto insurance in Lantana, %%. The only thing you really have to do is to compare quotes. Yes, never ever accept your renewal quote stright away. The good news for you is that insurers in Florida are fighting for each new client!

In most cases, special rates and discounts are offered to new customers.

Even if you have to have young drivers insurance in Lantana you are still likely to get a reduction under some instances. How about getting cheaper quotes because of good grades? This is really a win win situation, if you really encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper auto insurance!

If you are a senior driver, you can also find cheap auto insurance. The lower yearly mileage and simple fact that mature motorists don’t driver expensive cars are just some of the reasons.

Compare free Lantana auto insurance quotes now