Finding Low Cost Auto Insurance in Florida

When  you are looking for auto insurance in Florida, you may find that there are many low cost options.  However, there are some things to keep in mind when choosing your auto insurance to make sure you are insured properly.

Florida Insurance Laws

Florida insurance laws are different from many other states, due to their No-Fault insurance requirements. According to, Florida law requires all drivers to carry insurance that includes property damage liability and personal injury protection, with a minimum of $10,000 in coverage.

  • Personal Injury Protection, or PIP Insurance Florida’s No Fault Insurance – This insurance provides coverage for injuries regardless of who is at fault in the accident.  This policy covers auto accidents, but also applies to accidents involving pedestrians, school buses, and bicyclists.  This insurance coverage provides protection for covered individuals, even if the other party in the accident does not have PIP insurance, or is in a vehicle that is not registered properly.
  • Property Damage Liability, or PDL Insurance – This policy covers damages that you or other covered persons in your vehicle cause to someone else’s property.  PDL policies only cover the other person’s damages, not any that may occur to your own vehicle during the accident.

One thing that allows companies to provide Florida low cost auto insurance is the fact that there are no requirements for you to carry insurance that covers damages to your own vehicle.  While this does result in lower premiums and costs for the insurance, it can lead to financial problems if your vehicle suffers extensive damage.  You will need to come up with the funds to pay for those repairs before you can safely drive your vehicle again.

Bodily Injury Liability, or BIL Insurance

BIL is another type of insurance that is offered in Florida, but is not required.  This insurance pays medical bills or funeral costs that are the result of you or another covered driver that causes an accident with injury.  Florida is one of only two states in the US that does not require this insurance, but having it can be important.  Even though BIL insurance costs more, and increases your premiums, if you do not have it, you will be responsible for paying those costs out of your own pocket.  This means that there is the potential that you could lose your home or other major assets if you are unable to pay for another person’s treatments or funeral.

Choosing Coverages

The Florida insurance laws go a long way in helping residents save on auto insurance costs.  However, many believe that these same laws help perpetuate reckless driving and fraud due to the protections that these laws provide for at fault drivers.

When choosing your Florida insurance coverages, you should make sure to carefully consider your options at While it may be significantly cheaper in the short term to forego any coverages that are not required by the state, this can result in financial difficulties if you are ever the cause of an accident.

How To Compare Different Health Insurance Plans

If you’ve been paying any attention whatsoever to the news as of late, you’ve probably seen all of the very heated battles that are going on in regards to health insurance in the United States.

ObamaCare continues to change and shift underneath our feet on an almost daily basis, with different extensions, different rules, and different deadlines (not to mention a completely broken website and exchange system) creating anything but confidence in the FL health insurance world.

However, we need to make sure that we are still protecting ourselves by getting the right health insurance that we need according to This is why you’ll want to pay close attention to this information before moving forward.

Get Regular Checkups Before You Invest in It Expensive Insurance

One of the very best ways to make sure that you are getting the right insurance is to get regular checkups ahead of choosing a specific Florida insurance policy.

While this used to be absolutely terrible advice in the past, ObamaCare has actually guaranteed that anyone with a pre-existing condition will still be able to get the kind of health insurance that they need – you cannot be disqualified if you discover a major medical problem when you don’t have insurance.

Regular checkups are relatively inexpensive, and can keep you from locking yourself into a ridiculously high monthly payment – only getting yourself health insurance in FL when you need it most.

Always Investigate at Least 3 Different Insurance Options Before Moving Forward

Depending upon your specific state, there are going to be any different number of ways that you can compare Florida health insurance and health insurance policies. You’re going to want to make sure that you take full advantage of any of these opportunities, including the national ObamaCare website. If you are short on time, simply visit an online company where they will be able to quote you for all the major companies at once.

These health connector type websites are going to allow you to compare and contrast multiple plans at the exact same time. They are not only looking at the different costs that each of them will require of you, but also explaining to you completely the type of coverage that you can expect. They also show you the type of doctors that you’ll be able to work with in your local area, and any other key factors that may play a major (or minor) role in your decision-making process.

Obviously, the more options that you can compare and contrast the more difficult the inevitable decision will be, which is why you’ll want to keep it to around a handful or more. However, the more information that you have the better off you’ll be in the long run – which is why you might even want to consider speaking directly with healthcare professionals through any of the support service numbers you can find online or on those health connector websites.

These professionals at will be able to guide you through the entire process from start to finish, giving you the peace of mind and confidence you need a knowing that you are completely and totally protected when it comes to healthcare and health insurance.

Our Guide To Homeowners Insurance in Florida

Not everyone is an expert when it comes to home insurance. We all need some help sometimes in order to find those great insurance savings. Be sure to follow our amazing online guide below. It can help aid you in finding affordable homeowners insurance in Florida.

How Do I Begin To Shop Online for Homeowners Insurance in Florida?

We’ve all been there, ready to start shopping for a home insurance policy online here, but blank out when trying to determine which step to take first. Shopping and purchasing coverage can get confusing. There are so many steps you can take. However, it is so important that you follow the steps below in order, that way you too can get some insurance coverage for your home!

Let’s Begin!

Step one, know your coverage needed before even thinking about going online. Many people fail to realize just how much insurance coverage they actually need. Blindly going online can lead to you having major coverage caps in your policy. Sit down and determine the correct amount of coverage needed.

Next, once you have the coverage you want in mind, you can navigate to the online world. With your Florida home insurance, do you have any particular companies at in mind? The worst thing you can do is be biased and learn more towards certain ones. There’s a whole wide world of companies out there. It’s best to keep an open mind when you decide to shop. There may be many companies that you don’t know about that can offer you amazing rates.

Collect a FL Insurance Quote

Florida home insurance can only be found online by collecting quotes. Collecting quotes is a very crucial part of the insurance process. It’s easy to collect them online. Start off your search for FL home insurance quotes. Make sure to also follow these rules when you begin to collect quotes:

  • Always collect 3 or more quotes on a website. The more you compare, the better your chances of finding great coverage
  • Always review each company of your choice. Never sign any paperwork until you thoroughly review the company.
  • Never settle for cheap coverage that’s too good to be true. If it seems too good to be true then it is. This coverage is never any good and can leave you exposed coverage gaps.

Florida homeowners insurance will be able to safeguard your home from the unknown. It is important to make sure that you are covered with only the best.