| It's possible - especially if you have a good driving | | | | Book value of your vehicle. |
| record - to get away with purchasing just $10,000 of | | | | You should review the amount of your collision and |
| Personal Injury Protection (PIP) and $10,000 of | | | | comprehensive with your agent each year since the |
| Property Damage Liability (PDL) insurance and legally | | | | Kelly Blue Book value of your car is most likely |
| drive in the state of Florida. If you've been in a crash | | | | decreasing every year and there's no point in carrying |
| or if you've been convicted of certain other | | | | coverage on your car in excess of Blue Book value |
| offenses, you may be required to also purchase | | | | since that's the most your insurance company will |
| Bodily Injury Liability (BIL) insurance coverage. | | | | pay you in any event. |
| PIP insurance provides medical coverage for you or | | | | As you can see, the State of Florida actually requires |
| almost anyone legally driving your vehicle or ridding in | | | | very little from you in the way of insurance, but as |
| your vehicle as a passenger if your vehicle is involved | | | | you can also see, carrying the state minimum |
| in an accident, regardless of whose fault the accident | | | | required insurance could very easily leave you open |
| is deemed to be. | | | | to lawsuits which will force you to pay money that |
| As you can imagine, with medical costs as high as | | | | could be considerably in excess of the minimum |
| they are today, $10,000 in coverage may not go far | | | | required insurance. This could put your home, your |
| in a serious crash. Depending on what assets you | | | | savings, or any other assets you possess at great |
| have that might conceivably be forfeit if you are | | | | risk. |
| unable to pay for the medical expenses of someone | | | | And obviously if you are purchasing a new vehicle |
| who is hurt in your vehicle because of a serious | | | | and you intend to finance your purchase your lender |
| accident, you may wish to purchase considerably | | | | will undoubtedly require that you purchase full |
| more PIP coverage than the minimum the state of | | | | coverage insurance - Personal Injury Liability (PIP), |
| Florida requires of you. | | | | Property Damage Liability (PDL), Bodily Injury Liability |
| Property Damage Liability insurance covers repairs to | | | | (BIL) coverage, Collision and Comprehensive - in |
| another person's vehicle or other property if you are | | | | amounts far greater than the state-mandated |
| involved in an accident, regardless of whose fault the | | | | minimums. |
| accident is determined to be. | | | | Keep in mind that even though your lender has every |
| $10,000 in Property Damage Liability insurance will | | | | right in the world to demand that you fully cover any |
| barely cover a fender-bender for many of today's | | | | vehicle being financed, your lender is not allowed to |
| high-priced vehicles. Again, especially if you have a | | | | force you to purchase your insurance from any |
| home or other assets which need protecting you | | | | specific provider. |
| may choose to purchase more PDL coverage than | | | | If you want to find the best possible price for your |
| the state of Florida demands. | | | | full coverage car insurance quote in Florida then you'll |
| If you wish your vehicle to be repaired or replaced in | | | | need to get on the internet and find at least 3 |
| the event of an accident you will need to buy | | | | websites that allow you to make quick and easy |
| Collision and Comprehensive insurance. | | | | head-to-head comparisons of prices for insurance at |
| Collision coverage will repair or replace your vehicle if | | | | different insurance companies. |
| it is damaged by striking (or being struck by) another | | | | Make certain that you take the extra time and effort |
| vehicle, or if it is damaged by striking an object such | | | | to make your comparisons on at least 3 different |
| as a guard rail, a light pole, or a tree. You should | | | | websites so that you can be assured that you're |
| consider purchasing collision insurance up to the Blue | | | | seeing the prices from virtually every insurance |
| Book Value of your car. | | | | company operating in Florida. |
| Comprehensive insurance covers damage to your | | | | Once you've done that then you can grab the |
| vehicle caused by natural acts (such as wind or hail | | | | absolute cheapest price possible for the full coverage |
| damage) and acts of vandalism. And, just to make | | | | car insurance that you need and rest easy every |
| things confusing, it's the comprehensive portion of | | | | night knowing that you are not paying even one cent |
| your insurance that pays you if you strike an animal, | | | | more for your car insurance than you absolutely have |
| such as a deer, while driving. Again, you should | | | | to. |
| purchase comprehensive insurance up to the Blue | | | | |