Florida Car Insurance

When deciding on the collision and comprehensive protection part of your Florida car insurance, your first decision should be to have a deductible that's at least $500. Any greater out-of-pocket costs you have with a larger than minimum deductible, you more than get back with a reduced premium. And if the car you're insuring is old, with little value, you should think about dropping this coverage.

A required type of Florida car insurance is for personal injury protection(PIP). But you may have similar protection if you have a good medical or health plan. If you do have duplicate coverage then you can carry just the state minimum as protection for your passengers, since it will pay for their medical treatment in the event of an accident.

Uninsured or underinsured driver protection isn't required for Florida car insurance, but it's a good idea to have some. To pay for your bills when another driver, with inadequate insurance, causes an accident, a minimum of $50,000 is suggested.

Bodily and property liability protect you from financial disaster when you cause an accident. Bodily liability not only covers the other driver's injury treatments, but also will handle your legal expenses if sued. It's advisable you have at least $100,000 per person of this coverage with your Florida car insurance. Property liability pays for damage to his car or other property. The recommended minimum for this protection is at least $50,000.