Florida auto insurance quotes, Whether you are a Tampa Bay resident who sticks to surface streets, a fisherman based out of Miami who regularly commutes to the Keys, or an employee at Disney World who just bought a clunker to drive to and from work, you want savvy guidance about Florida auto insurance quotes. Although FL police are notoriously tough on drivers who break the speed limit – issuing traffic citations in some cases to drivers who go over by just 5 miles – the state has significant auto and highway related problems. The brutal tropical storms and hurricanes that blow in off the Gulf can wreak havoc on roads and create "perfect storm" conditions for accidents. Roads and bridges in places like the Keys and Miami can be subject to flooding due to ocean surges. And Florida has a reputation (among insurers at least) for being home to dangerous and reckless drivers – particularly in flashy cities like Miami and Palm Beach.

Orange You Glad Florida Auto Insurance Quotes

Florida's fresh squeezed OJ is renowned across the US. But Florida unfortunately also carries the dubious distinction of having one of the highest average auto insurance rates in the Union. Numbers compiled by the National Association of Insurance Commissioners for 2007 ranked the Sunshine State as the fifth most expensive in the state for auto insurance. The average expenditure was $1,043 – still $97 less than Washington D.C.'s rate of $1,140 – but extremely high, nevertheless. Floridians paid $289 for collision, $116 for comprehensive and a whopping $719 for liability.

According to state law as of February 2010, drivers must carry $20,000/$10,000 bodily injury insurance, $10,000 property damage insurance, and personal injury protection. Although uninsured motorist protection is not mandatory, given that Florida ranks fifth in the nation for uninsured drivers, according to the Insurance Research Council's 2007 figures, you might want to invest in some extra Florida auto insurance quotes here.

Focusing on Lower Florida Auto Insurance Quotes

Whether you cruise along Alligator Alley on a regular basis, carry warehousing goods on I-10, or take regular trips up the Atlantic Coast on I-95, you seek practical methods for getting your Florida auto insurance quotes down. Here are few ideas to help you. First, consider driving less to qualify for a low-mileage discount. For instance, if you live in Orlando, take the Amtrak more. If you are a student at FSU or Miami Dade College (or elsewhere), you might qualify for a good student discount. If you are a senior living in Boca, you might qualify for senior discount. Explore your options, and take time to determine your coverage needs. For instance, if you have a higher risk tolerance, opt for a higher deductible to get a lower premium.

Shining Sunshine on Florida Auto Insurance Quotes

Sunshine State drivers can make serious progress towards getting better rates and locking down their insurance needs by using the fast and free service here at AutoInsuranceQuotes.com. It takes just around two minutes to fill out our free form, and you can get back multiple Florida auto insurance quotes from name-brand national insurance companies. Contrast these numbers at your leisure, then make a decision and go back to doing something that's truly fun and enjoyable, like sunbathing on the beach or gawking at fancy mansions and luxe vehicles in Palm Beach for Florida auto insurance quotes.