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Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (10/20/10) tells you how much your florida auto insurance will cover for property
damage in any one accident.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
not.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Florida requires a minimum of 10/20/10 liability coverage. The first number is the amount that the florida auto insurance will cover for any one person ($10,000). The second number is the total amount the florida auto insurance will pay for all persons injured in an accident.
Floridians on average paid about $1,104 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these florida auto insurance rates are fixed by florida automobile insurance companies and state regulatory agencies, but in reality discounted and competitive florida car insurance rates are available in Florida.
If you own a vehicle with at least four wheels, you must register
it according to Florida state law. Florida coverage is an auto insurance policy delivered or issued for delivery in Florida by an auto insurance company licensed by the Florida Department of Insurance.
Even within the state of Florida, auto insurance rates have changed over the past few years. Comparing the current florida car insurance rate to the numbers from a few years back, the average florida auto insurance premium in 1999 was about $837, that's an increase of about 31.9% in 4 years!
When calculating your florida automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your florida auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your florida auto insurance rate as well as the driving record of any family members covered under your florida auto insurance policy.
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