Frequently Asked Questions – Car Insurance in Florida
Q: How can I save money on car insurance?
A: There are several ways to lower your car insurance premiums in Florida. Consider bundling your auto policy with homeowners or renters insurance, maintaining a clean driving record, and taking advantage of discounts for safe driving, good grades (for students), or completing a defensive driving course. Choosing a higher deductible and driving a vehicle with safety features can also help reduce your costs. At L & M Insurance, we compare quotes from multiple top carriers to help you find the best value.
Q: What am I legally required to have for Florida auto insurance?
A: Florida law requires all drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) coverage. This basic coverage is designed to pay for medical expenses and property damage regardless of who is at fault in an accident. However, this minimum may not be enough in the event of a serious accident, which is why many drivers choose to add more protection.
Q: What optional car insurance do you recommend?
A: While Florida only requires PIP and PDL, we strongly recommend adding the following optional coverages for better protection:
- Bodily Injury Liability – Covers injuries you cause to others in an accident.
- Uninsured/Underinsured Motorist – Protects you if you’re hit by a driver with little or no insurance.
- Comprehensive Coverage – Pays for damage from non-collision events like theft, storms, or vandalism.
- Collision Coverage – Covers damage to your vehicle from an accident, regardless of fault.
- Roadside Assistance & Rental Reimbursement – Helpful add-ons for peace of mind during unexpected situations.
Our agents at L & M Insurance are here to help you choose the coverage that best fits your needs and budget.