Margate Car Insurance

Everything You Need to Know About Car Insurance in Margate

Located just 7 miles from the beautiful Atlantic Ocean, Margate, FL is a scenic beachfront community that offers residents a quiet, laid back lifestyle. Whether you’re heading out for a day at Margate’s popular Calypso Cove Waterpark or you are planning to meet friends for a round of golf, you’ll most likely encounter some heavy traffic. That’s why every driver needs the coverage of a reliable Margate car insurance policy. Trusted Choice® Independent Insurance Agents specialize in connecting Florida drivers with the most affordable, comprehensive car insurance plans. With a Trusted Choice Independent Insurance Agent at your side, it’s easier than ever to find the auto coverage you need at a budget-friendly price.

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

Finding affordable car insurance in Margate can be a challenge, but Trusted Choice Independent Insurance Agents can help. Our experienced agents can offer you quotes on multiple policies, giving you an opportunity to compare rates and find a plan that works for your budget. Auto insurance premiums are generally based on a few factors: your age, your driving record and your car's make and model. 

Florida Car Insurance Requirements

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

According to state laws, all drivers in Florida are required to have car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. Remember that these minimums are meant to be a starting point, and you might want to invest in additional liability protection. The minimum $10,000 for individual injuries won’t go far if you get into a serious accident. If your expenses are higher than your coverage limit, you have to pay the difference. 

Number of Uninsured Motorists in Florida

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

As a busy beach community, there is a steady flow of tourists coming in and out of Margate. Far too many of these drivers are uninsured and put local drivers at risk. If you get into an accident with an uninsured driver, you have to pay for repairs and related medical care. However, you can avoid this by adding uninsured motorist coverage to your comprehensive auto insurance policy.

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

Take a moment to imagine how it would feel to walk out of a local restaurant and find that your car is missing. Auto theft can happen in the blink of an eye, and it always catches drivers off guard. In a tourist-driven community like Margate, the risks of auto theft are even higher. Make sure you choose a car insurance policy that includes coverage for theft to safeguard your vehicle.

Find a Great Margate Car Insurance Policy

As you start your search for the best auto insurance in Margate, take time to do some homework. Many drivers are tempted to just select a plan quickly, but this can cost you hundreds of dollars each year in extra premiums. Instead, turn to Trusted Choice Independent Insurance Agents for help and you’ll enjoy multiple rate quotes in one convenient place. Our experienced agents will answer your questions, point you toward the most important coverages and help you put together a customized car insurance plan that will be the right fit for you. Contact a Trusted Choice Independent Insurance Agent today to get your free customized quote on Margate auto insurance.

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