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Before you begin your search for the best Florida automobile insurance rates, you should first consider how much coverage is sufficient for your lifestyle. Although the average auto insurance premium in the state of Florida is $1,695 (2009), not all Florida residents will pay the same rates.

We used to dine in fine restaurants and now we buy dinner at the drive-through window. Even if we cooked our own meals at home in the past we used to eat steak and now we’re lucky to get hamburger. So it’s not unusual for many of us to go online and search for cheap auto insurance.

To get started on purchasing Florida auto insurance, a good starting point is the state’s minimum auto liability insurance requirements. It is important to note that Florida’s car insurance laws have undergone several changes since 2007.

The information published here comes directly from the official Florida Department of Highway Safety and Motor Vehicles (FLHSMV). According to FLHSMV, in order to maintain a Florida license plate and registration, Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Because Florida has the third highest number of drivers on the road in the country (12,905,813) and approximately 23% of these drivers are uninsured, most auto insurance companies and state insurance departments recommend carrying higher amounts than the minimum requirements.

They also recommend carrying uninsured/underinsured motorist coverage. This could help protect you against the nearly 3 million uninsured drivers and the millions of underinsured drivers in the state of Florida. Overall, the minimum recommended amounts for car insurance in Florida are $100,000 for bodily injury and $300,000 per accident.

Once you have established an amount that is sufficient to protect you and your family against auto accidents, it’s time to begin shopping and comparing. Contact up to 3 auto insurance companies and request a quote. If you request quotes online you can save time. You will be asked a series of questions and the system will generate a quote. Once you have received up to three quotes, contact your company of choice and inquire about discounts. Most insurance providers offer multiple discounts, sometimes as many as 9 or more, and there is a good chance you may qualify for more than just one. You may be able to cash in on discounts for being a good driver or a mature drivers. Other discounts are available for car-pool drivers, multicar households, multipolicy discounts, antitheft devices, and seatbelts and airbags. Some auto insurance companies even offer discounts for non-smokers.

Getting free automobile insurance rates online is so simple I can’t see you ever visiting your broker’s office ever again; unless you want one of those cheap little calendars he used to mail you every year.

Said owns the automobile insurance rates site where visitors can get a great automobile insurance rate.

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