If you are a Florida resident, you know that having car insurance is mandatory. But what about full coverage insurance? Is it worth the extra cost? In this article, we will discuss everything you need to know about cheap full coverage insurance in Florida.
What is Full Coverage Insurance?
Full coverage insurance is a term used to describe a policy that includes both liability and comprehensive/collision coverage. Liability insurance covers the damages you may cause to another driver or their property in the event of an accident. Collision coverage, on the other hand, covers your own vehicle in the event of a collision, regardless of who is at fault. Comprehensive coverage covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.
Full coverage insurance gives you peace of mind knowing that you are protected in a variety of situations. However, it can be more expensive than liability-only coverage. In Florida, the average annual cost of full coverage insurance is $2,251, while liability-only insurance costs on average $1,380 per year.
How to Find Cheap Full Coverage Insurance in Florida?
If you are looking for cheap full coverage insurance in Florida, you have a few options. Here are some tips:
Shop Around
The easiest way to find cheap full coverage insurance is to shop around and compare quotes from multiple insurance companies. You can do this online or by contacting insurance agents directly. Make sure to compare the same coverage levels from each company to get an accurate comparison.
Ask for Discounts
Many insurance companies offer discounts for things like good driving records, bundling policies, and safety features on your vehicle. Make sure to ask the insurance company about any available discounts that you may qualify for.
Consider Increasing Your Deductible
A deductible is the amount you pay out of pocket before your insurance coverage kicks in. By increasing your deductible, you can lower your monthly premium. However, make sure that you can afford to pay the higher deductible if you ever have to make a claim.
The Cheapest Full Coverage Insurance Companies in Florida
Here are some of the cheapest full coverage insurance companies in Florida, based on average annual rates:
Company |
Average Annual Rate |
State Farm |
$1,988 |
GEICO |
$2,017 |
Progressive |
$2,231 |
Allstate |
$2,445 |
Liberty Mutual |
$2,688 |
FAQ About Cheap Full Coverage Insurance in Florida
Q: Is it possible to get full coverage insurance for under $1,000 per year in Florida?
A: While it may be possible, it is unlikely. The average cost of full coverage insurance in Florida is $2,251 per year, so finding a policy for under $1,000 would require significant research and likely sacrificing coverage levels.
Q: Should I opt for liability-only insurance or full coverage insurance?
A: It depends on your individual situation. If you have a newer or more expensive vehicle, full coverage insurance may be worth the extra cost. If you have an older or less valuable vehicle, liability-only insurance may provide adequate coverage.
Q: Can I still get cheap full coverage insurance with a poor driving record?
A: It may be more difficult and expensive, but some insurance companies offer high-risk policies for drivers with poor records. Make sure to shop around and compare quotes from multiple companies.
Q: What should I do if I can’t afford full coverage insurance?
A: If you can’t afford full coverage insurance, you may want to consider liability-only insurance or alternative transportation options such as public transportation or carpooling.
Q: What factors affect my full coverage insurance premium?
A: Factors that can affect your full coverage insurance premium include your age, gender, driving record, credit score, vehicle make and model, and coverage levels.
Conclusion
In conclusion, full coverage insurance can provide valuable protection in a variety of situations, but it can also be more expensive than liability-only insurance. If you are looking for cheap full coverage insurance in Florida, make sure to shop around, ask for discounts, and consider increasing your deductible. By following these tips, you can find a policy that fits your budget and provides the coverage you need.
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