Auto insurance florida cheap @ Video

Auto insurance florida cheap



Auto insurance florida cheap

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Cheapest Car Insurance in Florida

Alligators and oranges! What state could be more exciting to visit than fancy Florida? With over 1,250 golf courses, a tropical climate and seemingly endless miles of white-sandy beaches, it’s no accident “The Sunshine State” holds bragging rights for being the most popular retirement destination in the country. It’s also home and host to more than 20 million people, so Florida car insurance is a must-have for any motorist.

Whether drivers are setting up shop for the next stage in life, spending a tropical weekend or making Florida their home, CheapCarInsurance.net wants to help them get cheap car insurance in Florida. This page of essential car insurance information can help Florida drivers continue to enjoy their sunshine without spending time worrying about auto insurance, insufficient coverage or being uninsured in the event of an accident.

Read on to learn more about Florida driving laws and regulations and to see data and examples for auto insurance quotes in Florida. We’ve even divided our examples of Florida auto insurance quotes by county to keep things simple.

LAWS & REGULATIONS

Protection against tropical storms is a necessary step when driving in the only state that borders both the Gulf of Mexico and the Atlantic Ocean. Vehicle protection with liability coverage is just as important, and to help search out the correct information, listed below are some facts relevant to buying cheap auto insurance in Florida.

Minimum Requirements for Car Insurance in Florida

  • As you’re looking for the cheapest auto insurance in Florida, make sure it offers sufficient coverage to keep you in line with the law.
  • The The Florida Department of Highway Safety and Motor Vehicles (DHSMV) states that liability coverage is mandatory for all vehicles registered in the state.
  • Liability Coverage minimums:
  • $10,000 personal injury protection coverage.
    • Personal Injury protection coverage helps cover costs if someone receives an injury as a result of an accident. Personal injury costs can include medical expenses as well as lost wages.
  • $10,000 property damage liability coverage.
  • If a driver fails to maintain current insurance coverage, the DHSMV can suspend driving privileges and vehicle license/registration for up to 3 years. A reinstatement fee ranging from $150 to $500 will be required depending on the number of subsequent offenses. Don’t risk driving uninsured!

    • New Driver Licensing Requirements

    • The Florida DHSMV requires every Florida driver to be licensed. To become licensed, applicants must first pass a vision screening and written test. Next comes a road test, and then applicants must pay applicable fees.
    • Vision Screening:
    • An applicant must have visual acuity of 20/40 with or without corrective lenses. Anyone with visual acuity of 20/50 or worse will be referred to a specialist for improvement, but visual acuity of 20/70 may pass if the worse eye is 20/200 or better and verification is required by a specialist.
  • Written Test:
    • The exam tests the applicant’s knowledge of the Florida Driver’s Manual. It consists of 40 multiple-choice questions regarding road rules and 10 questions regarding specific traffic signs.
  • Road Test :
    • The vehicle, provided by the applicant, must be insured, registered and safely operable. A licensed driver is required to drive the vehicle to and from the testing site.
    • The applicant will be tested in several areas, including but not limited to turns, gear shifting (if applicable to the vehicle), parking, stopping, backing, obeying traffic signals and signs, passing, lane management and following distance.
  • Fees.
    • A regular driver’s license requires the applicant to pay a $48 fee.
  • Applicants at least 15 years old can obtain a Learner’s Permit, and applicants ages 16 and 17 who have held a Learner’s Permit for one year with no violations can obtain an Intermediate License. Specific requirements are in place for obtaining either a learner’s permit or an intermediate license, and driving restrictions apply for holders of either one.

    • DUI/DWI Laws

    • BAC limit: .08 The Florida Driver’s Manual notes that Florida holds a Zero Tolerance Law regarding drivers under the age of 21. It states that if a driver under the age of 21 is stopped and determined to have a BAC of .02 to below .05, he/she will receive a 6 month license suspension. A driver under the age of 21 with a BAC of .05 or higher receives the additional penalty of attending a substance abuse program. Following are the penalties pertinent to Florida DUI/DWI offenses:
    • First Offense:
    • Minimum $500 and maximum $1,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are minimum $1,000 and maximum $2,000.
    • Community service of 50 hours.
    • Probation maximum of 1 year.
    • Possible imprisonment of 6 months maximum. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the maximum is 9 months.
    • License revocation of 180 days.
    • DUI school for 12 hours.
    • Possible Ignition Interlock Device (IID) for a maximum of 6 months.
  • Second Offense:
    • Minimum $1,000 and maximum $2,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are minimum $2,000 and maximum $4,000.
    • Imprisonment of 9 months maximum.
    • License revocation of 180 days.
    • DUI school for 21 hours.
    • Ignition Interlock Device for a minimum of 1 year.
  • Third Offense:
    • Minimum $2,000 and maximum $5,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are a minimum of $4,000.
    • Imprisonment of 12 months maximum.
    • License revocation of 180 days.
    • DUI school for 21 hours.
    • Ignition Interlock Device for a minimum of 2 years.
  • Fourth or Subsequent Offense(s):
    • Minimum $1,000 fine.
    • Imprisonment of 5 years maximum.
    • Permanent license revocation.
    • DUI school (hours unspecified).
    • Ignition Interlock Device for 5 years.

    • Texting & Driving Laws

    Distraction.gov informs Florida drivers that texting is banned for all drivers.

    Unique Laws

    Florida has a wide array of residents, and just as wide an array of interesting laws. For instance, while tying an elephant to a parking meter, be sure to remember that the meter fee must be paid as if the elephant were a vehicle. It is also illegal to sell one’s children, and, not only are drivers required to have a license, so are skateboarders!

    Best Cheap Car Insurance Quotes for Florida

    Miami-Dade County Car Insurance

    Encompassing the southeastern tip of Florida, the coastal County of Miami-Dade is the southeasternmost U.S. county located on the mainland. Home to an estimated 2.7 million, the county’s name was changed from Dade to Miami-Dade by voters in 1997, noting the international recognition of Miami.

    A seaport city with the third tallest skyline in the nation, Miami is a hub for finance, culture and international trade, ranked by Forbes in 2008 as America’s Cleanest City. The county is home to both Everglades National Park and Biscayne National Park. The global fast food chain Burger King is headquartered in unincorporated area of Miami-Dade County.

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    SOURCE: http://www.cheapcarinsurance.net/cheap-car-insurance-in-florida-fl/

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