You should be aware of the types of coverage you need before you start looking for Florida auto insurance. Florida law requires that you have minimum amounts of liability and PIP coverage. These amounts are significantly lower than what is required in most states. Therefore, it might be a good idea not to purchase the minimum. Without this coverage, you could not get the coverage you need to cover your medical bills or damages caused by a major incident.
Allstate is the most affordable
Allstate is the best car insurance company in Florida. However their premiums tend not to be as low as their competitors. They do not offer poor coverage. Allstate actually offers an accident forgiveness program which lowers premiums to drivers who have had one accident in the first five years. But, premiums could rise for drivers who have had multiple accidents or have a poor driving record. To avoid this, drivers need to have a clean driving record as well as a high credit score.
According to 2020 J.D. Power Auto Insurance Study, Allstate has the highest overall customer satisfaction among auto insurance companies in Florida. Allstate was followed by Esurance. This could suggest that Allstate's customer service is better than the rest.
State Farm is the cheapest for teen drivers
State Farm can offer the lowest car insurance rates for teenager drivers. The company offers comprehensive coverage at reasonable rates and offers many discounts to young drivers. Full-time students may be eligible for a 25% discount on their premiums. By taking a driver education course for teens, they can reduce their premiums. Teen drivers can also join the Steer Clear program that is open to them under 25 years old.
In addition to offering cheap teen car insurance in Florida, State Farm also has a range of driver safety programs, including Steer ClearR. 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 offers the lowest rates for low mileage drivers
State Farm has great offers for low-mileage drivers and is a solid choice for car insurers. Drivers who travel less 7500 miles per annum can get a low-mileage discount that could save you up six percent on their policy. You can also receive a five percent bonus if you complete a driver's education course. To qualify, you will need to complete the course. You can also get a 40 percent discount on vehicle safety features. This discount could save you 40% on medical coverage. This discount is only available to vehicles older than 1994 with a clean crash test history.
Steer ClearR, a State Farm educational application, is available for young drivers. By completing in-app courses, logging driving hours, and working with a mentor, users can earn a certificate that gives them an insurance discount. State Farm also offers Drive Safe & SaveTM, an app that tracks how much you drive. It tracks your speed and acceleration and gives you an estimate of repair cost.