Before you go shopping for car insurance in Florida, you should know what kind of coverage you need. In Florida, you are required to carry at least certain amounts of liability and PIP coverage. These amounts are less than those required in other states. It might be worth purchasing more coverage than the minimum. You may not be able to cover the costs of major accidents or medical bills.
Allstate is best for you
Allstate is a top-rated car insurance company in Florida. However, their premiums are often higher than their competitors. However, this does not mean that they 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. This can be avoided by drivers who have a clean driving track and good credit scores.
According to 2020 J.D. Power Auto Insurance Study shows that Allstate has the highest overall customer service satisfaction rate among all Florida auto insurance companies. Allstate was only beaten by Esurance in the rankings. This could be a sign that Allstate provides better customer service compared to the competition.
State Farm is the most affordable for teens drivers
State Farm provides affordable car insurance for teens. The company offers comprehensive coverage at affordable rates, and also offers multiple discounts to young drivers. Full-time students may be eligible for a 25% discount on their premiums. You can lower your premiums if you take a teen driving education course. Teen drivers can also join the Steer Clear program that is open to them under 25 years old.
State Farm offers cheap Florida teen car insurance. They also offer a variety of driver safety programs including Steer ClearR. This program provides discounts for young drivers, and also offers mentorship and practice driving hours that can help drivers avoid an accident. 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 offers excellent discounts for low mileage drivers. This is an excellent choice if you're in search of a reliable car insurance company. 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. Participating in a driver’s education course may also qualify you for a five percent bonus. To be eligible, you need to enroll in the course. A vehicle safety discount, which can reduce your medical insurance by up to 40 percent, is another discount. However, this discount is only available for vehicles that are older than 1994 and have a good crash test history.
For young drivers, State Farm offers Steer ClearR, an educational application that encourages drivers to drive safely. 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.