It is hard to drive with a good conscious when you are lacking the proper auto insurance. When driving in Florida, you may wonder if state minimum auto insurance is enough. We all want to get the most affordable insurance. Budgets are tight and when the cost of viable insurance continues to climb, it can be a good thing that you live in Florida. For those that are lucky enough to reside in Florida there is Ocean Harbor Casualty Insurance. With them, you get an insurance company that is rated A’ by Demotech. They write homeowners and automobile premiums and is considered a top 100 writer in insurance in the United States. With those kinds of statistics, you can be assured that you will be getting the best to cover your automobile at a price you can afford. Still want to make a comparison between Ocean Harbor and other insurance companies? Go ahead. You will still find you will find the most acceptable rates and coverages with Ocean Harbor. Better yet, go online to the Insurance Express website and make all the comparisons you would like to make. What you will find is that there is no comparison. They are the best providers of automobile insurance in the business.

Now, supposed you wanted to make a comparison of State Minimum Car Insurance Quotes between Florida and Alabama? You will find that State Min Car Insurance in both states are very much the same. It seems that Alabama’s Mandatory Liability Insurance Law was created to clarify Alabama car insurance rules for all drivers. The law now requires Alabama drivers to carry auto insurance for their registered vehicles. You must have liability insurance to help pay for any damages or injuries you may cause to others in a car accident.

Understanding No Guarantee State Minimum Car Insurance Take a look at Alabama’s liability coverage which includes these minimums:

  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $25,000 for property damage.

Insurance rates are based on many factors including your driving record, your age, where you live, and the kind of car you drive. If you driver’s license is in good status you will be eligible for better rates and if you live in a busy the city your insurance rates will be higher than smaller, less congested towns. Auto insurance providers do not figure their rates the same way so you will receive different rates for the same driver.

Understanding No Guarantee State Minimum Car Insurance 

Every state except for New Hampshire requires drivers to carry liability insurance, and there are stiff penalties if you’re caught driving without it. You don’t have to be pulled over to have your insurance status checked. Several states use electronic insurance verification, in which insurance records are checked against motor vehicle registrations. However, insurance experts warn that having the state required auto insurance won’t protect you sufficiently in case of an accident. This means a policy that meets the state coverage requirements for you to drive legally. It

typically includes liability and property damage coverage, and may also include personal injury protection or uninsured motorist coverage. There is a benefit of going for the minimum car insurance coverage required by your state. Especially if you want the cheapest option. There are insurers that specialize in offering state min auto insurance for drivers with low incomes. It is never a good idea to drive without at least minimum insurance. So, purchasing the state minimum would be the best route to take.

Overview of Florida State Required Auto insurance

Overview of Florida State Required Auto insuranceAn Ocean Harbor Insurance Agent can tell you all about coverages. Without these coverages, you’ll have to pay to fix or replace your car yourself. In the state of Florida, it is required that every vehicle with four or more wheels maintain State Min Auto Insurance in South Florida coverage. Did you know that state minimum car insurance does not include collision coverage, which pays for damage to your car in an accident, or comprehensive coverage, which protects your car from theft, flooding and other damage not caused by an accident? Consider that in one accident alone, multiple claims may be filed for damage to the vehicles and injuries to each passenger. If you cause even a minor accident, you could end up being responsible for paying thousands of dollars for the other driver’s vehicle damage and injuries out of pocket. That could end up being one of the most seriously expensive infractions you could ever be charged with. Being sued by the other party can, in the end, leave you financially devastated. You never want to be caught off guard without the coverages you need for any situation. Go online today and get covered, because a car accident is never “if” but “when”.