Affordable Car & Cheap Automobile Insurance in Florida
Affordable Car Insurance Tampa is dedicated to getting our customers the absolute lowest-priced car insurance possible! We specialize in finding cheap car insurance in Florida for people with poor credit or an accident history, as well as first-time drivers and students. Let us help you get the coverage you need, at a cost you can afford, so you can get behind the wheel with peace of mind.
Contact us at 813-328-1985 today a get an amazing quote in just 10 minutes!
Poor credit, accidents, tight budget—it doesn’t matter! We’ll do everything we can to get you low cost automobile insurance in Florida.
we tap into powerful comparison software to search policies from low-cost insurers.
We guarantee the lowest possible insurance. Even if you think you’re not qualified, we’ll do what it takes to get you an reduced rate on a great policy.
Since 2011, we’ve been highly successful at helping our customers get the affordable car insurance policy that’s right for them. There’s no one we can’t help!
Our team works with new drivers, low-or-no credit holders, drivers with accident history and anyone else that’s been denied a policy by major insurance companies.
Just because they’re cheap doesn’t mean they’re bad!
Our insurance policies offer you the same great benefits you’ll find anywhere else.
Getting a quote takes 10 minutes. We promise it’ll be worth it when you see the absolutely amazing prices we’re able to pull for you!
Even if you’ve been turned down before, Affordable Car Insurance Tampa will help you get a quote for car insurance that’s lower than you ever imagined. Give us 10 minutes of your time!
Minimum Florida Insurance Requirements
Auto insurance is mandatory in the state of Florida for all vehicles with four or more wheels that are registered in the state of Florida. Non-residents or temporary residents of Florida are required to register their vehicles and will need insurance in certain circumstances. If you are employed in Florida or your children are educated in a Florida public school, you must register your vehicle in Florida, which means that you will be required to have Florida auto insurance. If you live in Florida for more than 90 non-consecutive days each year, you may also be required to have Florida insurance and registration. Getting a traffic ticket when you don’t have insurance will be expensive.
Florida requires two types of insurance at registration.
- Personal Injury Protection:
(PIP) PIP covers necessary medical expenses for you and your passengers, up to $10,000 after an accident regardless of who caused the accident.
- Property Damage Liability (PDL):
PDL covers damages to the other driver’s vehicle. Florida drivers are required to carry a minimum of $10,000 of both PDL and PIP. If your vehicle is registered as a taxi, there are higher requirements. Commercial vehicles require even more insurance.
Florida requires that you purchase your insurance policy from an insurance carrier that is licensed to do business in the state. You must have auto insurance, whether your car or truck is being driven or not.
Any registered vehicle in the state of Florida must have continuous coverage while it is registered, regardless of where you are driving or living. If you move out of state, you must not cancel your insurance until after your car is registered with the new state. Military members do have some exceptions. Check the Florida Military guidelines for more information.
Once you have the minimum automobile insurance, you may want to consider other types of insurance that protect your assets:
- Bodily injury liability – covers the expenses of the people in the other car.
- Collision – covers your property damages in an accident.
- Comprehensive – this policy covers damages to your vehicle outside of an accident, such as hail damage, theft or vandalism. Basically, anything “other than collision damage.” It’s to help you maintain the value of the car.
- Uninsured motorist coverage – if you’re in an accident with an uninsured driver, this insurance covers your injuries and property damages, depending on your policy. Considering that about 13% of Americans are uninsured, this insurance should be a consideration if it fits into your budget. According to the Insurance Information Institute, in 2015, Florida was the state with the highest percentage of uninsured drivers.
Although you aren’t required to have these policies, knowing your options can help you determine how to get the cheapest insurance rates in Tampa FL.
Insurance is a Necessity
If you’re in an accident and aren’t covered by insurance, your medical bills, property damages and possibly even the other driver’s injuries and damages could be your responsibility. Insurance isn’t something to take lightly. Find low-cost insurance rates in Tampa, FL when you contact our office at 813-328-1985.