You should be aware of the types of coverage you need before you start looking for Florida auto insurance. Florida requires you to have at least certain amounts PIP and liability coverage. These amounts are much lower than in other states so it may be worthwhile to buy more than the minimum. If you don't have enough coverage, you might not be able pay for major injuries or your medical bills.
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 offer excellent coverage, however. 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. Drivers who are involved in multiple accidents or have poor credit ratings may see their premiums rise.
2020 J.D. Power Auto Insurance Study reveals that Allstate is the most satisfied auto insurance company in Florida. Only Esurance came before Allstate in the rankings. This could be a sign that Allstate provides better customer service compared to the competition.
State Farm is the best for teenager drivers
State Farm often offers teens the cheapest car insurance. State Farm offers affordable coverage and multiple discounts for young drivers. Students who are full-time can get a 25% reduction on their premiums. The teen driver education program can help lower teens' 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 offers young drivers discounts on their car insurance and mentoring to ensure they avoid any accidents. The Drive Safe & Save program allows teens to monitor their driving habits and adjust 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. The low-mileage discount, available to drivers who travel less than 7500 miles per year, can save you up to six percent on your policy. You can also receive a five percent bonus if you complete a driver's education course. To qualify, you must complete the course and be approved by a State Farm agent. The vehicle safety feature discount can also be a discount that can help you save up to 40% on your medical coverage. The discount is only applicable to vehicles that were manufactured after 1994 and have a clear crash test history.
Steer ClearR by State Farm is an educational program that encourages safe driving habits in young drivers. You can earn an insurance discount by taking in-app courses and logging your driving hours. State Farm offers Drive Safe & Save(tm) which is a usage-based insurance program that tracks how you drive. It will track your speed, acceleration and hard braking and provide an estimate of the repair costs.