Jupiter Car Insurance

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

Jupiter, FL is a small coastal town in Palm Beach County. U.S. Route 1, along the coast, can sometimes be hazardous to drivers as tourists make sudden stops or turns and pedestrians cross to get to the beaches. Additionally, West Indiantown Road, Interstate 95 and Florida’s Turnpike can often be quite congested with cars. All of this can increase your risk of being in a motor vehicle accident. Fortunately, a solid Jupiter auto insurance policy can protect your finances.

It is a good idea to look at policies and rates from a few reputable insurance companies before purchasing any kind of insurance policy. Comparison shopping for car insurance is easy when you work with an independent agent in the Trusted Choice® network. These agents can work with many different insurance providers to gather a selection of competitively priced Jupiter car insurance quotes that you can review and compare. 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 rate in the state of Florida is significantly higher than the national average, but the figures listed above can only give you a ballpark idea of how much you might expect to pay for your coverage. Your actual Jupiter auto insurance costs are calculated by each insurance company that you contact based on several different factors, including but not limited to the following:

  • The value, make, model and year of your car
  • The approximate number of miles you drive per month
  • Your driving record and claims history
  • Your age, sex and marital status
  • The amount of liability coverage you wish to purchase
  • The size of your deductible
  • Your credit score
  • Your qualification for any policy discounts

Each insurance company can 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

Florida’s minimum coverage requirements are very low and likely will not be high enough to fully protect your assets if you are responsible for a serious accident. You may therefore want to purchase higher levels with your Jupiter car insurance. 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.

Be aware that the state minimum requirements listed above are not applicable to everyone. If you have a DUI conviction on your record, for example, the state of Florida will require you to carry the much higher minimum liability limits of 100/300/50. A record of certain other driving violations can also cause your minimum coverage requirements to be increased.

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 until you have paid a fine of up to $500 and have provided proof of insurance.

Despite this, drivers in the state of Florida are the second most likely to be uninsured. Almost one out of every four on this state’s roads may be driving without insurance, and that puts law-abiding drivers at a risk. If you are in a collision that is the fault of an uninsured driver, that person is responsible for covering your damage and any needed medical treatment. Unfortunately, it can be hard to collect this money, and in many cases, if the person simply does not have any assets, you may never see a cent.

That is why it is a good idea to include uninsured motorist coverage with your Jupiter car insurance. That way, if you find yourself in this sort of situation, 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 Jupiter. In 2013, there were a total of 67 auto thefts reported in this town. That equates to about 1.16 thefts per 1,000 cars – less than half the state average.

In the event that your car is stolen, you can only receive compensation for your loss if your Jupiter auto insurance policy includes other-than-collision coverage (also commonly referred to as comprehensive insurance). This insurance also covers other noncollision-related damage such as that caused by falling objects, flying debris, floods, fires and vandalism.

Find the Best Jupiter Car Insurance Policy

Naturally, you don’t want to pay more than you have to for your car insurance. However, if you purchase a policy without first taking the time to get quotes from a few competing insurance companies, chances are good that you will do just that. That is why savvy car owners in Jupiter turn to independent agents in the Trusted Choice network for help when they are in the market for reliable and competitively priced policies.

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

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