Delray Beach Car Insurance

Everything You Need to Know About Car Insurance in Delray Beach, FL

Because this is a popular vacation destination, there are a lot of drivers on the roadways in and around Delray Beach, FL. These drivers can include tourists who, unfamiliar with the roads, may make sudden stops and lane changes, and aggressive drivers, who may make reckless decisions after having a few drinks at a local bar. As a vehicle owner, you are at risk for financial damages if you are involved in a collision. Delray Beach auto insurance protects your finances by providing coverage against a number of the hazards you may face.

Car insurance is required of vehicle owners in Delray Beach, but overpaying for it is not. An independent insurance agent in the Trusted Choice® network can help you review a selection of affordable policies that have been customized to fit your coverage and budgetary needs. Find an agent near you to learn more so you can soon start comparing Delray Beach car insurance quotes from a variety of reputable insurers.

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

Unfortunately for those looking to buy a Delray Beach car insurance policy, the average cost of car insurance in Florida is significantly higher than the national average. This is due in large part to the high number of collisions in this state. Of course, your actual quoted rates are likely to differ from the numbers shown above because they are calculated based on a several different factors. These include but are not limited to the following:

  • The ZIP code where you live and park your car
  • The make, model and year of the car(s) you are insuring
  • The age, sex, marital status and driving records of all drivers in your household
  • The approximate number of miles you drive each year
  • Your claims history and credit score
  • The amount of coverage you are purchasing
  • The amount of your deductible
  • The bundling options you are option for, i.e., whether you are bundling your coverage with other policies such as home insurance

Because so many different considerations go into calculating your Delray Beach auto insurance rates, you are likely to get different quotes from each insurer you contact. That is why comparison shopping helps you find the best price for your policy.

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

Florida drivers who have been convicted of a DUI have much higher liability minimum requirements of 100/300/50. Failure to carry insurance that meets Florida’s state-mandated requirements can result in the suspension of your plates, registration and driver’s license until you provide proof of insurance and pay a fine between $150 and $500.

Florida has some of the lowest minimum coverage requirements in the country, which helps to keep your costs low. However, if you carry only the minimum coverage and are responsible for a collision that results in significant injuries, you easily exceed these minimum coverage amounts, and you are responsible for making up the difference. For that reason, it might be a good idea to purchase coverage that exceeds these mandated requirements, especially if you have assets you wish to protect.

Number of Uninsured Motorists in Florida

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

Despite the laws against uninsured driving, the state of Florida has the second highest rate of uninsured drivers in the county. When nearly one in four drivers sharing the road with you is uninsured, you have an increased risk of financial losses. This is because if an uninsured driver is responsible for a collision with your vehicle, they are required to cover your resultant property damage and any necessary medical treatment. Unfortunately, these funds can often be difficult, if not impossible, to collect. Even with a court order, if someone simply does not have the money or assets, you may never see any compensation at all.

The good news is that by adding uninsured motorist coverage to your Delray Beach auto insurance policy, you are able to easily collect compensation following this type of accident. This is because your insurance company covers your costs right away and then goes after the uninsured driver on its own. This insurance also covers collisions with 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

The rate of car theft in Florida is lower than the national average but higher in Delray Beach. In 2013, there were 211 car thefts reported in this city. That equates to about 3.36 thefts per 1,000 vehicles. These higher rates of car theft can influence your insurance rates.

You can protect your finances by supplementing your Delray Beach car insurance policy with the optional comprehensive, or “other than collision,” insurance. This insurance compensates you if your car is stolen. This insurance also provides coverage if your car is damaged by other noncollision catastrophes, such as by falling objects, floods, vandalism or noncollision-related fires.

Find a Great Delray Beach Car Insurance Policy

When you are shopping for Delray Beach car insurance, you will want to be sure that you are purchasing your policy from a trustworthy company and that you are getting it at a reasonable rate. Comparison shopping can help you find the most affordable policy, but many find it to be time-consuming and frustrating when they go about it on their own.

That is why it is beneficial to enlist the help of one of the many independent insurance agents in the Trusted Choice network. These agents make collecting and comparing car insurance rates easy. They have relationships with a number of reputable insurance companies, so they can quickly present you with a variety of Delray Beach auto insurance quotes for policies that are customized to meet your coverage needs. Find a Trusted Choice agent with an office in the Delray Beach area to get started.

 

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