Florida Car Insurance Quotes

The minimum requirements for Florida car insurance are $10,000 of personal injury protection (PIP) and $10,000 in coverage for property damage (PDL).  Florida has a no fault insurance clause which means the medical bills resulting from an accident will be covered by each persons own insurance company.
There are a lot of aggressive drivers in Florida, incidents of road rage as well as difficult driving conditions in severe weather.  These can all lead to you being assessed as a high risk driver. There are a certain factors that may make you a high risk driver and the obvious one is your driving record.  At-fault accidents increase your rates but so will tickets and not-at-fault accidents. Multiple speeding tickets and accidents suggest reckless driving and your chances of being in a traffic accident increases by 100%.  Also, men are considered a greater risk than women, young drivers more than adults and city dwellers greater the country dwellers.  Your credit history is also taken into account as statistics have shown that drivers with poor credit file more auto insurance claims.  Another important factor is if you have carried continuous insurance coverage as it is assumed if you dropped coverage that you have been driving without insurance or you’ve had your policy cancelled by another auto insurance company.  If you’re considered a high risk driver it may take some time to get out of this category.  It will take being ticket and accident free for a time or paying bills on time to clean up your credit history.  To cut costs immediately, you may want to consider driving an older car, dropping collision and comprehensive coverage or lowering amounts of other standard coverages.
If you are a high risk driver with a lot of points on your driving record, you can shop around for better rates and find an insurance company that specializes in insuring high risk drivers.  Once the points start to drop off your record you can look into getting a regular Florida auto insurance policy.