North Port Car Insurance

Everything You Need to Know About Car Insurance in North Port, FL

While residents in the city of North Port, FL do not experience heavy traffic at the levels that those in larger cities might, the roadways in this area still see their fair share of cars. Whether you are caught up in congestion on the Tamiami Trail, merging into traffic on Interstate 75 or passing a slow moving vehicle on Sumter Boulevard, you are at risk for a collision every time you get behind the wheel of your car – and this risk increases according to the number of other drivers on the road. Fortunately, you can protect your finances in the aftermath of a vehicular accident by having a suitable North Port auto insurance policy.

Finding high quality insurance at an affordable price is easy when you work with a local independent agent in the Trusted Choice® network. These agents can answer your insurance-related questions and make appropriate policy recommendations. They can then contact a few reputable insurance companies to compile a selection of competitively priced North Port car insurance quotes. Find a Trusted Choice Agent near you who can help you review and compare policies.

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

Auto insurance rates in the state of Florida are considerably higher than the national average. However, the rates mentioned above can only give you an approximate idea of what your costs might be. Actual rates vary significantly from one person to the next because they are calculated according to several different variables. When determining the price of your North Port car insurance premiums, the insurance companies you contact base your quotes on such things as the following:

  • The make, model and year of the vehicle(s) you wish to insure
  • The age, sex, marital status and driving records of the people in your household who will be on your policy
  • The ZIP code where you live and park your car
  • The approximate number of miles you drive each month
  • The amount of liability insurance coverage you wish to purchase
  • The amount of your deductible

Every insurance company has a different proprietary method of calculating risk and determining rates. Comparison shopping puts you at an advantage by enabling you to choose the North Port car insurance policy that gives you the best value for your money.

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

In the state of Florida, vehicle owners are required to carry auto insurance that meets or exceeds these state-mandated minimums. The minimum liability coverage requirements for drivers who have been convicted of a DUI are much higher at 100/300/50. Drivers who have been convicted of certain other major driving violations also have higher liability requirements.

For the majority of drivers in Florida, however, this state has some of the lowest liability requirements in the country. Regrettably, with the rapidly increasing cost of medical care, these amounts may not be high enough to fully cover you in the event of an accident – especially if it involves injuries that require long-term medical care. If you have a lot to lose, you can safeguard your finances by buying North Port car insurance with liability limits that are higher than the state requires. Your Trusted Choice Agent can help you determine how much coverage is appropriate for your situation.

Number of Uninsured Motorists in Florida

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

If you are caught driving without insurance in the state of Florida, you face suspension of your driver’s license, license plates and vehicle registration until you can provide proof of insurance and you pay a fine of $150 to $500. Despite these penalties, Florida has the second highest rate of uninsured drivers in the country, with more than one out of every five drivers breaking the law.

If an uninsured or a hit-and-run driver is responsible for a collision with your vehicle and it results in property damage or injuries to you or your passengers, that person is responsible for covering your costs. Unfortunately, you may find it extremely difficult, if not impossible, to collect reimbursement for your losses – unless, that is, your North Port auto insurance policy includes uninsured motorist coverage. In that case, your insurance company covers your costs upfront and then attempts to collect funds from the offending driver on its own behalf.

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 good news is that the rate of car theft in the state of Florida is lower than the national average; and it is rather low in North Port as well. If your car is stolen or damaged by vandals, however, you can only get compensation from your insurance company if your North Port auto insurance policy includes comprehensive insurance. This insurance can also cover damage that is caused by other noncollision events, such as floods, flying debris, falling objects and noncollision fires. Your Trusted Choice Agent can help you compare rates for this optional coverage.

Find the Best North Port Car Insurance Policy

As a vehicle owner in the state of Florida, you are required to carry auto insurance; but you are not required to overpay for it. If you are looking for the best price for a North Port auto insurance policy that can provide you with the right amount of coverage for yourself and your family, you can benefit from working with an independent agent in the Trusted Choice network. These agents are not tied to a single insurance provider, so they are free to shop around to find affordable policies that you can review and compare together.

There are several Trusted Choice Agents in Florida, and some have offices in and near the city of North Port. Find an agent who is located conveniently close to your home to learn more about your coverage options. Discover how much money you can save by comparing North Port car insurance quotes.

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