Before you begin shopping for Florida car insurance, you should understand the coverage you require. Florida law requires that you have minimum amounts of liability and PIP coverage. These amounts may be lower than those required by most other states. So it might make sense to purchase more than 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
While Allstate is one of the top car insurance companies in Florida, their premiums tend to be higher than those of their competitors. They do not offer poor coverage. Allstate has an accident forgiveness program that lowers premiums for drivers who are involved in one accident within their first five years. Drivers who have been in multiple accidents, or with a poor driving history may see their premiums increase over time. This can be avoided by drivers who have a clean driving track and good credit scores.
2020 J.D. Power Auto Insurance Study shows that Allstate has the highest overall customer service satisfaction rate among all Florida auto insurance companies. Only Esurance came before Allstate in the rankings. 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 offers the best car insurance for teens. The company offers comprehensive coverage at affordable rates, and also offers multiple discounts to young drivers. Students who are full-time can get a 25% reduction on their premiums. Teenagers can also lower their premiums by taking a teen driver education course. The Steer Clear program is also available for young drivers under 25.
In addition to offering cheap teen car insurance in Florida, State Farm also has a range of driver safety programs, including Steer ClearR. The program rewards young drivers with car insurance discounts and provides mentoring and practice driving hours to help avoid accidents. Their Drive Safe & Save program monitors the driving habits of teenagers and adjusts their rates accordingly.
State Farm is the most affordable for low-mileage drivers
If you're looking for a good car insurance company, State Farm has some great discounts for low-mileage drivers. 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. You can also receive a five percent bonus if you complete a driver's education course. To be eligible, you need to enroll in the course. Another discount is the vehicle security feature discount. This can help you to save 40 percent on your medical coverage. This discount is not available for vehicles older then 1994, with good crash history.
Steer ClearR, a State Farm educational application, is available for young drivers. Participants can earn insurance discounts by completing the in-app course, logging driving hours and working alongside a mentor. State Farm offers Drive Safe & SaveTM. This insurance app tracks your driving habits and records how many miles you have driven. It'll track your speed, acceleration, and hard braking, and give you an accurate estimate of repair costs.