Pinellas Park Auto Insurance

Do you need auto insurance quotes in Pinellas Park, Florida? Are you aware that comparing insurance quotes online can save you up to $600?

Compare FREE, no obligation, Pinellas Park auto insurance quotes now

Pinellas Park, FL car insurance requirements

Florida is a No-Fault state for auto insurance. A lot of people, who move to Pinellas Park, do not understand No Fault insurance. If you want to find the right policy for you and your family, you have to understand the law.

The law mandates you to carry a minimum cover of:

PIP – $10,000
$10,000 of PDL

Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. Personal Injury Protection covers some of the costs for medical expenses and lost wages. 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. Fances, buliding and cars are regarded as “Properties”.

In Florida Bodily Injury Liability (BIL) is not required for everyone, just drivers in the high risk group. Drivers who are required to carry SR22, have bad record or have been at fault in an accident, fall in the high-risk category

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

It is illegal to drive without insurance in Pinellas Park, Florida. When you get caught you will face charges. On top of any fines you have to pay, you will be also required to have SR22 insurance. Department of Motor Vehicles could suspend your license for up to 3 years.

Don’t forget that as a client you have rights too.

Select your own auto insurance company and adviser
Obtain your policy without the influence of discrimination
Get a fair coverage quote
Get copies of all forms and applications, including your policy, within sixty days
Have your claim investigated in a proper and timely manner
Receive payment for required fixes, or for the value of your car, within 20 days of signing a settlement agreement
File a complaint with your insurance provider

Many people spend a few months of their year in Pinellas Park, 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 personal injury protection and property damage liability coverage.

Tell me more about No Fault Insurance

Each motorist must have insurance which covers him in the case of an accident. A motorist can not be charged for damages or injuries even if he was at fault.

Not surprisingly, not a single state with No Fault law, applies its principals that firmly. Florida is no exception.

A lot people in Pinellas Park, Florida, are under the impression that their policy will cover all costs.This is simply not true. Your policy covers (up to your limits of course) only the medical expenses. 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 meet certain thresholds like major bodily function, disfigurement or significant scarring.

While driving in Pinellas Park – What other cover should I consider?

Insurance specialist state that going for the minimum coverage required is not a wise idea. 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.

Affordable auto insurance in Pinellas Park, Florida

Many men and women don’t realize how simple it is to find affordable auto insurance in Pinellas Park, Florida. All you need to do is shop around and compare quotes. That’s right, never ever accept your renewal quote stright away. Auto insurance companies in Florida are fighting for new business and that is a good news for you!

Always check what discounts are available to you as a new customer and what will the insurer do to win your business.

Discounts are even available for young drivers in Pinellas Park. Do you realize that good grades can in fact mean more affordable auto insurance? That’s what you might call a win win scenario, very good education which is even financially rewarded.

Older drivers are given special discounts and enjoy affordable auto insurance too. That’s because insurance providers know that senior citizens don’t drive fast cars recklessly and have less mileage per year.

Compare free Pinellas Park auto insurance quotes now