Leesburg Auto Insurance

If auto insurance quotes in Leesburg, FL is what you are looking for, you have found the right place? You can certainly save up to 35% when you compare car insurance quotes on-line.

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What are the auto insurance requirements in Leesburg, FL?

The No Fault insurance law is used in only a few states and Florida is one of them. If you are moving to Leesburg from another state, you may be unfamiliar with No Fault insurance. Knowing and understanding Florida No-Fault insurance law will allow you to choose the right coverage for you and will also help you in the future, if you need to make a claim.

The law mandates 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. In the unfortunate event of death, PIP will pay $5,000.

Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. ‘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 illegal to drive uninsured in Leesburg, 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 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 buyer:

Select your own insurance company and agent
Purchase your policy without the influence of discrimination
Get a fair coverage quote
Get copies of all forms and applications, including your insurance policy, within sixty days
Have your claim investigated in a proper and timely manner
Acquire payment for required vehicle repairs, or for the value of your automobile, within twenty 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 Leesburg, Florida and the remainder of it elsewhere. If you have a car in Florida for more than ninety days throughout the year, you have to purchase at least the minimum personal injury protection and property damage liability coverage.

What is No Fault Insurance Anyway?

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

In reality, no state in the US enforces the No Fault law in such a strict form. Florida is no exception.

Many men and women in Leesburg, 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.

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.

While driving in Leesburg – What other cover should I consider?

Insurance specialist state that going for the minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious 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 auto insurance in Leesburg, Florida

Believe it or not, it is not that difficult to find cheap auto insurance in Leesburg, Florida. It is as simple as shopping around and comparing quotes. Accepting your renewal quote is exactly what your insurance provider wants you to do, so do not do it. Auto insurance companies in Florida are fighting for new business and that is a good news for you!

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

Even if you need young drivers insurance in Leesburg you are still likely to get a discount under some circumstances. How about getting inexpensive 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 inexpensive auto insurance!

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

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