Before you start shopping for Florida car insurance, it is important to know the type of coverage that you require. You must have at least certain levels of PIP and liability coverage in Florida. These amounts are lower than the ones required in most other states, so it might be a good idea to purchase more than the required minimum. If you don't have enough coverage, you might not be able pay for major injuries or your medical bills.
Allstate is best for you
Allstate is an excellent car insurance company, but their premiums tends to be more expensive than that of other companies. But this doesn't mean that they don't offer adequate coverage. Allstate has an accident forgiveness program that lowers premiums for drivers who are involved in one accident within their first five years. But, premiums could rise for drivers who have had multiple accidents or have a poor driving record. Drivers should have a clean driving history and a good credit rating to avoid this.
2020 J.D. Power Auto Insurance Study, Allstate has the highest overall customer satisfaction among auto insurance companies in Florida. Allstate was ranked above Esurance in this ranking. This could mean that Allstate is able to provide better customer services than the competitors.
State Farm is a great option for teens who drive.
State Farm can offer the lowest car insurance rates for teenager drivers. State Farm provides comprehensive coverage at affordable rates and offers discounts to young drivers. Full-time students may be eligible for a 25% discount on their premiums. The teen driver education program can help lower teens' premiums. They can also participate in the Steer Clear program for young drivers between 25 and 35.
State Farm offers affordable teen car coverage in Florida. This program rewards young drivers with discounted car insurance rates and offers mentoring and practice driving hours to help drivers avoid accidents. Drive Safe & Save can also monitor teenagers' driving habits and adjust rates accordingly.
State Farm is the cheapest insurance for low-mileage drivers
State Farm has great offers for low-mileage drivers and is a solid choice for car insurers. A low-mileage discount is available to drivers who travel less that 7500 miles annually. It can save you as much as six percent on your policy. A driver's education course can earn you a five-percent bonus. You must enroll in the course and get approved by a State Farm agent to qualify. The vehicle safety feature discount can also be a discount that can help you save up to 40% on your medical coverage. This discount is only available to vehicles older than 1994 with a clean crash test history.
For young drivers, State Farm offers Steer ClearR, an educational application that encourages drivers to drive safely. In-app courses can be completed, driving hours logged, and mentored to earn a certificate which gives you an insurance discount. State Farm also offers Drive Safe & SaveTM, an app that tracks how much you drive. It tracks your speed, acceleration, hard braking, as well as giving you an accurate estimate for repair costs.