Palm Beach Gardens is a small coastal city in Florida. While residents here do not contend with as much traffic as those who live in a larger city like Miami, they still see their fair share of cars. Some of the major highways that pass through Palm Beach Gardens, FL — such as the Florida Turnpike and Interstate 95 — are often very busy and can present a collision hazard. Other city roadways, like Military Trail and PGA Boulevard, can also be quite congested, particularly when a golf tournament is in progress. Be aware that you are at risk for a motor vehicle accident any time you get behind the wheel of your car, and this risk increases when there are a lot of other drivers on the roads with you. That is why it is so important that you carry a Palm Beach Gardens auto insurance policy that meets or exceeds the state-mandated requirements.
Car insurance is required of vehicle owners in Palm Beach Gardens, but paying unreasonable rates for it is not. Trusted Choice® agents can help you find a great policy at an affordable price. Because they are free to work with a number of insurance companies, these local agents can provide you with a selection of customized policies that you can compare before making a selection. Find an agent near you to learn more, and discover how much money you can save by comparing Palm Beach Gardens car insurance quotes.
Those looking to buy a Palm Beach Gardens car insurance policy may not be happy to learn that Florida drivers pay some of the highest car insurance rates in the country. This is due in large part to the high number of vehicular accidents that occur in this state. Of course, your actual rates are likely to differ from the numbers shown above because insurance companies calculate costs according to a number of different variables. These may include such things as the following:
Because so many different considerations go into calculating your Palm Beach Gardens auto insurance rates, you are very likely to get a different price quote from each insurance provider that you contact. That is why comparison shopping can help you find the best rate for your coverage.
The rates listed above pertain to most, but not all, of this state’s drivers. Florida drivers who have been convicted of a DUI are assessed much higher liability minimum requirements of 100/300/50, and drivers convicted of certain other driving violations may see higher minimum liability coverage requirements as well.
Be aware that if you carry only the minimum coverage and are responsible for a serious collision, your financial responsibility is very likely to exceed what your policy covers. In that case, you are responsible for making up the difference out of pocket. For that reason, it may be a very good idea to purchase liability coverage in amounts that exceed these required minimums, particularly if you have assets you wish to protect.
Failure to carry insurance that meets or exceeds Florida’s state-mandated requirements while driving can result in the suspension of your license plates, registration and driver’s license until you provide proof of insurance and pay a fine of up to $500.
Regardless, the state of Florida has the second highest rate of uninsured drivers in the county. This puts other drivers like you at risk because if one of these drivers is responsible for a collision with your vehicle, it may be difficult or impossible to receive compensation for your property damage or needed medical treatment. Unless, that is, you have included the optional uninsured motorist coverage with your Palm Beach Gardens auto insurance. In that case, your insurance company covers your damage upfront and then attempts to collect reimbursement from the offending driver on its own behalf. This insurance also covers damage from collisions with hit-and-run drivers.
The rate of car theft in Florida is lower than the national average; and it is even lower in Palm Beach Gardens. In 2014, for instance, there were only 74 car thefts reported in this city. That equates to about 1.45 thefts per 1,000 cars — about half the national rate.
To protect yourself against losses related to property crimes and other noncollision-related loss or damage to your vehicle, you may want to consider supplementing your Palm Beach Gardens car insurance policy with comprehensive insurance. This optional insurance offering covers damage caused by hazards such as hail, sinkholes, fire, falling objects and floods. Lenders typically require you to carry this coverage until your car is paid in full.
When you are shopping for an affordable Palm Beach Gardens car insurance policy, you will want to be sure that you are considering offerings from a selection of trustworthy providers. Comparison shopping may help you find the best policy to meet your coverage and budgetary needs, but many people avoid this important step because they find it to be too time-consuming or inconvenient to bother with.
That is why it is beneficial to enlist the help of a Trusted Choice agent. These local agents make it easy to gather, review and compare rates from a variety of competing insurance companies. They can quickly present you with a variety of customized Palm Beach Gardens auto insurance quotes and can help you review and compare them to find the policy that offers the best value for your money. Find a Trusted Choice agent with an office in or near Palm Beach Gardens to learn more.