Before you start shopping for Florida car insurance, it is important to know the type of coverage that you require. Florida requires that you carry minimum levels of liability and coverage for PIP. These amounts may be lower than those required by most other states. So it might make sense to purchase more than the minimum. You may not be able to cover the costs of major accidents or medical bills.
Allstate is best for you
While Allstate is one of the top car insurance companies in Florida, their premiums tend to be higher than those of their competitors. This does not mean they provide poor coverage. In fact, Allstate offers an accident forgiveness program, which lowers premiums for drivers who have one accident within the first five years of driving. Drivers with poor driving records or multiple accidents may see their premiums rise over time. This can be avoided by drivers who have a clean driving track and good credit scores.
2020 J.D. Power Auto Insurance Study shows that Allstate has the highest overall customer service satisfaction rate among all Florida auto insurance companies. Only Esurance came before Allstate in the rankings. This could mean that Allstate is able to provide better customer services than the competitors.
State Farm is the most affordable for teens drivers
State Farm can offer the lowest car insurance rates for teenager drivers. State Farm offers affordable coverage and multiple discounts for young drivers. Full-time students may be eligible for a 25% discount on their premiums. Teenagers can also lower their premiums by taking a teen driver education course. Teen drivers can also join the Steer Clear program that is open to them under 25 years old.
State Farm provides affordable teen car insurance in Florida. It also offers a wide range of driver safety programs like Steer ClearR. The program rewards young drivers with car insurance discounts and provides mentoring and practice driving hours to help avoid accidents. Drive Safe & Save also allows you to monitor your teenager's driving habits and adjust your rates accordingly.
State Farm is the most affordable for low-mileage drivers
State Farm offers some amazing discounts for low mileage drivers, which makes them a great choice for car insurance. 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. If you successfully complete a driver education course, you can receive a five percent bonus. You must enroll in the course and get approved by a State Farm agent to qualify. You can also get a 40 percent discount on vehicle safety features. This discount could save you 40% on medical coverage. 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. Participants can earn insurance discounts by completing the in-app course, logging driving hours and working alongside a mentor. State Farm also offers Drive Safe & SaveTM, an app that tracks how much you drive. It tracks your speed, acceleration, hard braking, as well as giving you an accurate estimate for repair costs.