Dunedin Car Insurance

Everything You Need to Know About Car Insurance in Dunedin, FL

Dunedin, FL is a charming city, located west of Tampa along the Gulf Shore. In this quaint Florida city, you’ll find good schools, scenic parks and beautiful sandy beaches. Dunedin has a historic downtown that holds an annual Scottish celebration for all to enjoy. This city is a tourist hot spot with its attractive scenery and gorgeous beaches. Local drivers have to deal with busy roads and congested traffic year-round, so make sure you’re prepared with the best Dunedin car insurance.

Trusted Choice® Independent Insurance Agents offer Dunedin drivers support in the search for affordable, yet reliable, car insurance. Whether you’re a first time driver or an experienced driver behind the wheel for decades, our experienced agents can help you find the most reliable coverage options and budget-friendly rates on Dunedin auto insurance.

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

Drivers can expect to have car insurance rates that trend on the high end of the national average. Keep in mind that your personalized rate varies depending on your unique situation. Your age, driving record and car model are just a few items that are considered when you obtain a quote. Trusted Choice agents are familiar with all the ways to help you save money on your auto insurance policy. They can help match you with discounts for safe driving, bundled coverages and security upgrades. Our agents will provide multiple quotes on many different policies so that you can find the one that fits your budget and covers all the risks you may encounter in Dunedin.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 total for all injuries in an accident and $10,000 for any resulting property damage. Keep in mind that if the cost of an accident exceeds your coverage limit, you have to pay the difference out of pocket. Dunedin drivers always have the option to buy additional coverage, a smart investment that can equal major savings if you ever get into a serious accident at some in the future.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Drivers who hit the road without adequate insurance are a growing problem across the nation. Despite the fact that Florida law requires insurance for Dunedin drivers, research suggests that nearly one-fourth of drivers are uninsured. This means that one out of every four drivers you share the roads with doesn’t have insurance. If you get into an accident with an uninsured driver, you could get stuck paying for your own car repairs out of pocket. The best way to avoid this financial burden is by choosing a car insurance policy that includes coverage for accidents involving uninsured motorists.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

Dunedin has a low crime rate, but it's important to remember that due to the huge influx of tourists, you could still be at risk for auto theft. As you shop for auto insurance, make sure you choose a policy that includes coverage for car theft. Then you’ll have peace of mind that you’re covered if your car is stolen. You can file a claim and receive the compensation you need to buy a new vehicle without relying on local police to track down your missing car, a task that is sometimes impossible.

Find a Great Dunedin Car Insurance Policy

Dunedin drivers can’t afford to skimp when it comes to car insurance, but finding the best policy can take a significant amount of time and research when you do it on your own. Trusted Choice Independent Insurance Agents make the process easy by offering one-on-one support along the way. Our agents will answer your questions, explain your coverage options and help you design a customized auto insurance policy that will offer maximum protection at a minimal price. Contact a Trusted Choice agent today to get a free rate quote on Dunedin auto insurance.

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