Greenacres Car Insurance

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

Greenacres, FL is a small city located in the state's Palm Beach County. While the roadways in this city may not get as busy as they do in larger cities, some, like Lake Worth Road, Jog Road and Forest Hills Boulevard, do see their fair share of cars. Any time you are sharing the roads with several other drivers, it increases your risk of experiencing a motor vehicle accident. Fortunately, you can protect your assets by carrying a Greenacres auto insurance policy that meets or exceeds the state-mandated minimums.

You can save yourself money by looking at policies and rates from a few competing insurance companies before purchasing any kind of insurance plan. Comparison shopping for car insurance is easy when you work with an independent agent in the Trusted Choice® network. These local agents can work with many different reputable insurance providers to gather for you a selection of competitively priced Greenacres car insurance quotes. You can then review and compare them together. 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.

Those shopping for Greenacres auto insurance may be disheartened to learn that the average car insurance rate in the state of Florida is significantly higher than the national average. However, the figures listed above can only give you a ballpark idea of how much you might expect to pay for your coverage. Your actual costs are calculated by each insurance company that you contact, based on several different factors including but not limited to the following:

  • The year, make, model and safety features of your car (as indicated by the VIN number)
  • The approximate number of miles you drive each month
  • Your age, sex, marital status and driving record
  • The amount of liability coverage you wish to purchase
  • The size of your deductible
  • Your claims history and credit score
  • Your eligibility for any policy discounts

Each insurance company you contact is likely to offer you a different quote, 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

The state minimum requirements listed above are not applicable to all drivers. If you have a DUI conviction on your record, for example, the state of Florida will require you to carry much higher minimum liability limits of 100/300/50. Other serious driving violations can also raise your coverage requirements.

Florida’s standard coverage requirements are very low compared to minimum requirements in most other states. While these amounts may be sufficient to handle a minor collision like a fender-bender, they are probably too low to fully cover you if you are responsible for a serious accident involving injuries. You may therefore want to purchase higher levels of liability coverage with your Greenacres car insurance policy. Your Trusted Choice agent can help you determine how much coverage is suitable for you and can provide you with quotes for different levels of coverage.

Number of Uninsured Motorists in Florida

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

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

Despite this, drivers in the state of Florida are the second most likely to be uninsured. This puts you, as a law-abiding driver, at a risk unless you include uninsured motorist coverage with your Greenacres car insurance. That way, if you are in a collision caused by an uninsured motorist, your insurance company compensates you for your losses immediately and then pursues reimbursement from the responsible driver. This insurance also covers damage and injuries caused by 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

Auto theft rates in Florida are lower than the national average, and the risk of car theft is even lower in Greenacres. In 2013, there was a total of only 85 auto thefts reported in this city. That equates to about 2.19 thefts per 1,000 cars.

If you are the victim of a car theft or if vandals destroy your vehicle, you can only receive compensation for your loss if your Greenacres auto insurance policy includes other-than-collision coverage (also commonly referred to as comprehensive insurance). This insurance also covers most other noncollision-related damage, such as that caused by falling objects, flying debris, floods and noncollision fires.

Find the Best Greenacres Car Insurance Policy

Naturally, you don’t want to pay more than you have to for your mandatory car insurance coverage. However, if you buy a policy without first taking the time to get quotes from a few competing insurance companies, you are likely to end up overpaying. That is why savvy car owners in Greenacres turn to independent agents in the Trusted Choice network for help when they are in the market for reliable and competitively priced auto insurance.

Trusted Choice agents make comparison shopping easy by doing the comparison-shopping legwork for you. They can contact a variety of reliable insurance companies on your behalf in order to provide you with a selection of auto insurance quotes to review and compare. That way, you can be sure that the policy you choose to purchase offers the best value for your money. Find a Trusted Choice agent with an office near you today to learn more about your Greenacres car insurance options.

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