Ormond Beach Car Insurance

Everything You Need to Know About Car Insurance in Ormond Beach, FL

Situated along the state's Atlantic coast, Ormond Beach, FL is a popular vacation destination. As such, the city’s roads can often be quite congested with traffic – particularly on Interstate 95, Granada Boulevard and Yonge Street. Sharing the roadways with a number of other drivers, especially visitors who may be unfamiliar with the streets and frequently make sudden stops or turns, increases your risk of being in a motor vehicle collision. Of course, vehicular accidents can happen anywhere for any number of reasons, so it is to your benefit to have a suitable Ormond Beach auto insurance policy to fall back on.

Car insurance is required of vehicles owners in Ormond Beach. A local independent agent in the Trusted Choice® network can help you find the best policy to meet your coverage and budgetary needs. These agents can gather a selection of affordable Ormond Beach car insurance policies from competing providers so that you can compare them and then choose the one that offers the most 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.

Those who are looking to buy an Ormond Beach car insurance policy may be disheartened to learn that the typical cost of coverage in Florida greatly exceeds the national average. This is due largely to the high number of collisions that occur in this state each year. Of course, you should expect your actual rates to differ from the numbers shown above. This is because when you contact an insurance company for a quote, the price is calculated based on a number of different variables including but not limited to such things as the following:

  • The ZIP code where you live and park your car
  • The make, model, year and safety features of the car(s) you are insuring (as indicated by the VIN)
  • The age, sex, marital status and driving records of the licensed drivers in your household who will be included on your policy
  • The amount of liability coverage you would like to include with your policy
  • The coverage options you wish to include with your policy
  • The amount of your deductible
  • In many cases, your credit score
  • Your eligibility for any policy discounts

You are likely to be quoted a different price by every insurance company you contact for Ormond Beach auto insurance quotes. That is why comparison shopping is the best way to find the most affordable 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

In the state of Florida, drivers who have been convicted of a DUI have higher minimum liability requirements of 100/300/50; and motorists with certain other driving violations also have minimum requirements that are greater than the requirements listed above. Driving without insurance that meets or exceeds Florida’s state-mandated minimums is illegal and can be penalized by the suspension of your plates, registration and driver’s license until you can provide proof of insurance and have paid a fine of $150 to $500.

For most drivers, Florida has some of the lowest minimum coverage requirements in the country, and this helps to keep costs manageable. However, if you only carry the minimum coverage and you’re responsible for a major collision that involves significant injuries, you could easily be responsible for damage that goes beyond what your insurance covers. That is why it is usually a very good idea to purchase higher levels of liability coverage.

Number of Uninsured Motorists in Florida

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

Although it is illegal to do so, approximately one in five motorists in Florida is driving without insurance. In fact, this state has the second highest rate of uninsured drivers in the county. If an uninsured driver is responsible for a collision with your vehicle, that driver is required to cover any property damage or medical treatment costs you accrue as a result. Unfortunately, this compensation can be difficult, if not impossible, to collect.

The good news is that if you have included uninsured motorist coverage with your Ormond Beach auto insurance policy, your insurance company covers your costs up front and then attempts to collect reimbursement from the uninsured driver on its own behalf. This coverage also compensates you for losses associated with 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 it is even lower in Ormond Beach. In 2014, there were only 70 car thefts reported in this city. That equates to about 1.81 thefts per 1,000 vehicles – well below the national rate.

If your car is stolen, you can only collect compensation for your loss if your Ormond Beach car insurance policy includes comprehensive (“other than collision”) insurance. This optional insurance covers more than just theft. It also covers damage to your vehicle that is caused by other noncollision events, such as falling objects, flying debris, vandalism, fires and floods.

Find a Great Ormond Beach Car Insurance Policy

When you are shopping for an ideal Ormond Beach auto insurance policy, you will want to be sure that you are buying your coverage from a trustworthy insurance company and that you are getting it at a competitive price. Comparison shopping can help you find the most affordable policy, but it can sometimes be time-consuming.

Fortunately, when you work with an independent insurance agent in the Trusted Choice network, comparison shopping is fast and easy. These agents can work with a number of reputable insurance companies to gather a variety of customized Ormond Beach car insurance quotes for you to compare. Find a Trusted Choice Agent near you to get started.

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