Kissimmee Car Insurance

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

Many of the roads in Kissimmee, FL are heavily trafficked – particularly along U.S. 192, the North John Young Parkway and North Main Street. Any time you share the roadways with many other drivers, your chances of being involved in a motor vehicle accident increase. Of course, accidents can happen anywhere, at any time, for a number of different reasons. That is why it is to your benefit to have a suitable Kissimmee auto insurance policy to fall back on.

Car insurance is required of vehicles owners in Kissimmee, but paying too much for it is not. A local independent agent in the Trusted Choice® network can help you find the right policy. These agents can gather a selection of affordable Kissimmee car insurance policies from competing providers. That way, you can compare them and choose the one that offers the best value for your dollar. Find an agent near you to learn more.

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

The bad news for those who are looking to buy a Kissimmee car insurance policy is that 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, you should expect your actual rates to differ from the numbers shown above because they will be calculated based on a variety of factors. These include such things as the following:

  • Your ZIP code
  • The location here you park your car
  • The make, model and year of the car(s) you are insuring
  • Your claims history and credit score
  • The age, sex, marital status and driving records of the licensed drivers in your household
  • The amount of liability coverage you wish to purchase
  • The optional coverages you wish to include with your policy
  • The amount of your deductible
  • Your eligibility for any policy discounts

Because so many different factors go into calculating your Kissimmee auto insurance rates, you are likely to get a different quote from every company you contact. That is why comparison shopping is a great way to find the best price for car coverage.

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

Drivers who have been convicted of a DUI are assessed the much higher liability minimum requirements of 100/300/50, and motorists with other major driving violations will also have minimum requirements that are greater than the requirements listed above.

Driving without insurance that meets these requirements can result in the suspension of your plates, registration and driver’s license until you can provide proof of insurance. You may also be required to pay a fine of between $150 and $500.

Florida has some of the lowest minimum coverage requirements in the country, which can keep costs low. However, if you are responsible for a major collision that results in significant injuries requiring extensive medical care, you could be responsible for damage that greatly exceeds these minimum coverage amounts. For that reason, it is a very good idea to purchase coverage that exceeds these mandated requirements if you wish to protect your personal assets.

Number of Uninsured Motorists in Florida

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

The state of Florida has the second highest rate of uninsured drivers in the county. When nearly one in four drivers sharing the roadways with you is driving without coverage, your finances are put at risk. This is because if an uninsured driver is responsible for a collision with your vehicle, that driver is required to cover your property damage and medical treatment costs. Unfortunately, this money can be difficult, if not impossible, to collect if the offending driver simply hasn’t got it – and that means it will come out of your pocket.

The good news is that by adding uninsured motorist coverage to your Kissimmee auto insurance policy, you are protected in this type of situation. When you have this coverage, your insurance company covers your costs right away and then goes after the uninsured driver on its own. This coverage also compensates you for losses related to 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; and the risk is even lower in Kissimmee. In 2013, there were 119 car thefts reported in this city. That equates to about 1.84 thefts per every 1,000 vehicles – significantly lower than the national average. These low rates of car theft can have a positive influence on your insurance rates.

When you supplement your Kissimmee car insurance policy with comprehensive (“other than collision”) insurance, you collect compensation if your car is stolen or damaged as the result of a property crime. This insurance also provides coverage if your car is damaged by other noncollision events, such as falling objects, fires or floods.

Find a Great Kissimmee Car Insurance Policy

When you are shopping for Kissimmee auto insurance, you want to be sure that you are purchasing a policy from a trustworthy insurance company and that you are getting your coverage at a reasonable rate. Comparison shopping can help you find the most affordable policy, but it can be time-consuming and somewhat inconvenient to do on your own.

That is why it is beneficial to enlist the help of an independent insurance agent in the Trusted Choice network. These agents make shopping for the best policy easy. They have relationships with a number of dependable insurance companies, so they can quickly gather a variety of competitive Kissimmee auto insurance quotes for you to compare. Find a Trusted Choice agent with a Kissimmee office near you to get started.

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