Why Is Car Insurance Mandatory?

Owning or leasing a car means having the ability to go wherever you want, whenever you want. However, this freedom comes with quite a bit of responsibility. One of the biggest responsibilities is paying for your car insurance in Tampa, FL each month.

Car insurance is mandatory for liability reasons. You must be held responsible for any damage you may cause, and your insurance policy will help cover any costs. All drivers must have at least the state’s required minimum insurance coverage, but many drivers opt to add additional policies, like collision or uninsured motorist coverage. Keep reading to learn more about insurance and where you can get it.

What types of insurance are required?

Florida requires all drivers to have two different types of insurance: personal injury protection (PIP) and property damage liability (PDL). Regardless of who caused the accident, PIP covers necessary medical expenses for you and your passengers up to $10,000. PDL covers damages to the other driver’s vehicle. Florida drivers need to have at least $10,000 of both PDL and PIP coverage to be legally allowed to drive.

What are the risks of driving uninsured?

Driving without insurance is a risky game that most people don’t want to play. However, about 13 percent of American drivers don’t have insurance, and Florida is consistently ranked as having one of the highest percentages of uninsured drivers. These drivers risk having their license and registration suspended. During the suspension, drivers can’t get a restricted license, even to commute to work. To get their license back after having it suspended, drivers have to pay a $150 fine for the first offense, a $250 fine for the second and a $500 fine for the third offense within a three-year period.

Trying to drive after your insurance policy lapses is irresponsible. Auto insurance companies are required to alert the Florida Department of Highway Safety and Motor Vehicles as soon as a policy lapses. After being flagged, the department will send you a notification in the mail that you must get insurance before getting back behind the wheel, or risk the fines mentioned above.

Why choose Affordable Car Insurance Tampa?

There are tons of companies that offer car insurance in Tampa, FL, but we’re often drivers’ best bet. Here’s why we’re better than the competition:

  • Affordable rates: Our prices are the main reason our customers get their insurance through us. “Affordable” is right there in our name, so you can trust that you’ll get the most coverage for the best possible rates.
  • Fast quote time: Buying auto insurance in Tampa, FL shouldn’t be a time-consuming process. That’s why we only need 10 minutes of your time to give you a quote!
  • We insure all drivers: It doesn’t matter if you’re a first-time driver or someone with bad credit—we’ll provide any driver with car insurance. Even if other companies have turned you down before, we’ll be able to give you a great insurance rate.

The choice is clear: the next time you need auto insurance in Tampa, FL, come to Affordable Car Insurance Tampa. All it takes is a phone call and 10 minutes of your time to get a quote for all-encompassing auto insurance.