Auto Insurance Frequently Asked Questions

Will my insurance rates go up after my accident?

Maybe. Insurance companies use many factors to determine your premium. Traffic violations, age, gender, residential neighborhood, miles traveled, prior accidents, and other factors may affect your rate. Different insurance companies use different methods to determine premiums. If you are a good driver, have no traffic violations, and haven’t had an accident in years, then a new accident will probably have little effect on your rate.

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Is minimum required insurance enough?

No. The State of Florida does not require bodily injury coverage which if you do not maintain, will put you in serious financial jeopardy in the event that you injure another driver. If you are sued, your personal assets may be taken. Uninsured motorist coverage and collision insurance are also not required under Florida law. Without collision insurance, your car will not be covered if you cause an accident. Uninsured motorist coverage will protect you when the other driver is uninsured.

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How can I save money on my insurance premium?

• Shop around. Rates can vary by several hundred dollars.

• Maintain a good driving record. Avoid traffic tickets and accidents.

• Take a driver’s education course. Many insurance companies give discounts to educated drivers.

• Discounts for safety equipment. Airbags, anti-lock brakes, and anti-theft devices can decrease your rate.

• Choose higher deductibles. Higher deductibles will decrease your premium. However, be sure you can afford the deductible amount in case you do have an accident.