Deerfield Beach Car Insurance

Everything You Need To Know About Car Insurance in Deerfield Beach, FL

Deerfield Beach, FL is a small city within Miami’s metropolitan area. With a large number of beaches, nightclubs, cultural venues, restaurants and parks within a short driving distance from all points within this city, it is little wonder that the roadways are usually very busy. Unfortunately, this means an increased risk of collisions while driving. Fortunately, a solid Deerfield Beach auto insurance policy can protect your finances.

It is a good idea to look at policies and rates from at least three reputable insurance companies before purchasing a car insurance policy. Comparison-shopping is easy when you work with a Trusted Choice® Independent Insurance Agent. Our agents have relationships with many different insurance providers and can use these connections to help you gather, review and compare a selection of competitively priced Deerfield Beach car insurance quotes. Find an agent near you to get started.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • 5th most expensive auto premium in U.S.

The average car insurance rates in the state of Florida are much higher than the national average, but the figures listed above are to be used only to get a ballpark idea of how much you might expect to pay. Your actual Deerfield Beach auto insurance costs will be calculated based on several different factors including but not limited to the following:

  • Your car's value, make, model, year and safety record
  • Your driving record and claims history
  • Your age, sex and marital status; and driving record of all drivers in your household
  • Your desired coverage amount
  • Your desired deductible
  • your credit score

Each insurance company is probably going to come up with a different cost for your premiums, so comparison-shopping is a great way to save money on your premiums.

Florida Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 10/20/10; Coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for one individual, and $10,000 coverage for property damage

If you have a DUI conviction on your record, the state of Florida will require you to carry much higher minimum liability limits of 100/300/50. Other driving violations can also cause your minimum coverage requirements to be increased.

Of course, if you have a lot to lose, the state’s minimum coverage requirements may not be enough to fully protect your assets if you are responsible for a serious accident, so you may want your Deerfield Beach car insurance limits to be higher. A Trusted Choice agent can help you determine how much coverage is suitable for you.

Failure to carry car insurance that meets or exceeds Florida’s minimum requirements can result in the suspension of your driver’s license, plates and registration until you have paid a fine of between $150 and $500 and have provided proof of insurance.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.80%

Drivers in the state of Florida are the second most likely to be uninsured. Nearly one out of every four drivers you pass on the road may be driving without insurance, and that puts law-abiding drivers at a significant risk.

That is because if you are in a collision that is the fault of an uninsured driver, that person is responsible for covering your damage. Unfortunately, it can be hard to collect this money, and in many cases, if the person simply does not have any money, you may never see a cent. That is why it is a good idea to include uninsured motorist coverage with your Deerfield Beach car insurance. That way, if you find yourself in this situation, your insurance company will compensate you for your losses and pursue payment from the responsible driver. This insurance also covers damage and injuries caused by hit-and-run drivers.

Number of Auto Thefts in Florida

  • National number of thefts per 1,000 vehicles: 2.94
  • Florida number of thefts per 1,000 vehicles: 2.48

Auto theft rates in Florida are lower than the national average, and the risk of car theft is even lower in Deerfield Beach. In 2013, there was a total of 156 auto thefts reported in this city. That equates to 2.00 thefts per 1,000 cars. This is something that is factored in when calculating insurance rates.

In the event that your car is stolen, you will receive compensation for your loss only if your Deerfield Beach auto insurance policy includes “other than collision,” or comprehensive, insurance. This insurance also covers non-collision related damage such as that caused by falling objects, flying debris, floods and vandalism. This coverage is usually required if you finance or lease your car.

Find the Best Deerfield Beach Car Insurance Policy

You don’t want to pay more than you have to for your car insurance. But, if you purchased a policy without taking the time to get quotes from any competing insurance companies, chances are you are doing just that. That is why savvy car owners in Deerfield Beach turn to independent agents in the Trusted Choice network for help when they are shopping for suitable and competitively priced policies.

Trusted Choice agents make comparison-shopping easy by doing all of the legwork for you. They can work with a variety of reliable insurance companies in order to quickly provide you with a great selection of auto insurance quotes that you can review and compare. Find a Trusted Choice agent with an office near you today to learn more about your Deerfield Beach car insurance options.

Now, who's ready to get their insurance problems solved?