If you live in Florida, you need to have car insurance. While the state doesn’t require you to have a driver’s license, it does require that you have auto insurance before you get behind the wheel. Whether you choose to get your coverage through Liberty Mutual Insurance or another company, here are some things you should know about auto insurance in Florida
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Things to consider before buying a policy
Auto insurance policies are customized to different people and their specific needs. But there are still a few things everyone should consider before buying auto insurance in Florida. Here’s what you need to know
What are the different types of policies available?
The more common policies include liability, comprehensive and collision. Liability covers other people’s cars, property and medical bills if you cause an accident that injures or kills someone else. Comprehensive covers you if your car is stolen or damaged by natural disasters such as floods and hurricanes. Collision only covers damage to your own car from accidents with other vehicles or objects.
How much does insurance cost in Florida?
If you’re looking for auto insurance in Florida, you probably have a few questions about how much it will cost. The most obvious one is what is an average premium? But there are more important considerations, too. What factors affect your auto insurance rate? Is there anything you can do to make sure you get a good deal on your car insurance policy? How does auto insurance differ from state to state?
Tips for saving on your policy
The first step in saving money on your auto insurance policy is to make sure you’re paying for what you need. Here are a few simple ways you can trim down your coverage without compromising your safety: If you don’t drive very much or only use one car for business, drop collision and comprehensive from your policy. If you already have all-state property coverage, go ahead and drop personal umbrella liability—it won’t provide any additional benefit over what you already have.