Whether you recently purchased a new or used vehicle, you need to choose the best car insurance to be compliant with Florida state laws and to protect your investment. Before you hastily decide on the type of policy you need, there are several things you should consider first to ensure you get the best coverage to meet your needs.

Insurance Rates

Many things are considered when determining the rate you will pay for car insurance, such as age. Younger and less experienced drivers usually pay more for an insurance policy while more seasoned drivers receive a discounted rate. This holds true if you have a good driving record, as well. Your credit score can also determine how much you will pay, so be sure to pay your bills on time to save money later.

Coverage Requirements

The laws governing car insurance in Davie, FL require that all motorists carry at least liability insurance with $10,000 bodily injury per person per accident. Liability insurance normally covers the other person’s vehicle and any property damage that occurs from the accident if it is deemed to be your fault.

Full coverage policies typically include comprehensive insurance, which means if your vehicle catches on fire, is stolen or vandalized, or is the subject of any other non-crash incidents, the damage will be covered by your insurance policy. Collision coverage is also included, which means repairs to your vehicle are covered, at least partially, no matter who is at fault. You will also have personal injury protection for yourself and any passengers in your car if another driver hits you. Uninsured and underinsured motorist protection is usually an option, although it can be required. This will cover your vehicle repairs if the driver at fault does not have insurance or is underinsured.

Deductibles

Most insurance policies have a deductible. The higher the deductible you choose, the lower your insurance premiums will normally be.

Type of Vehicle

The make, model, and year of your vehicle will also impact the amount you will pay for insurance. Having a sports car can be a lot of fun, but it can also cost you more in insurance premiums.

Call your agent at Zot Insurance Agency in Davie, FL to help you determine how to acquire coverage and have your questions answered. We also are happy to assist clients in the surrounding states.