Palm Coast Car Insurance

Everything You Need to Know About Car Insurance in Palm Coast, FL

Palm Coast is a city in Florida’s Flagler County. The population of this city has more than doubled since 2000. With this rapid growth comes greater traffic and more congested roadways, and this can increase your risk of being in a motor vehicle collision in Palm Coast, Fl. Whether you are merging onto Interstate 95, passing a slow-moving vehicle on the Matanzas Woods Parkway or battling in congestion on the Belle Terre Parkway, you are at risk every time you get behind the wheel of your car. That is why it is to your benefit to have a suitable Palm Coast auto insurance policy to fall back on.

Car insurance is required of vehicle owners in the City of Palm Coast, but paying too much for it is not. Trusted Choice® agents can help you find the best policy to meet your coverage and budgetary needs. These agents can work with a number of competing providers to gather an assortment of customized Palm Coast car insurance policies that you can review and compare together. 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.

Disappointingly, for those who are looking to buy a Palm Coast car insurance policy, the average price of auto insurance in Florida greatly exceeds the national average. This can be attributed largely to the high number of collisions that occur in this state. Of course, you should expect your actual rates to differ from the numbers shown above because they are calculated on an individual basis according to a number of different factors. These may include such things as the following:

  • The ZIP code in which you live
  • The place where you park your car (garage, street, carport, etc.)
  • The make, model, year and other information about vehicle(s) you are insuring (this information can be determined through the vehicle identification number, or VIN)
  • Your insurance claims history and, in some cases, your credit score
  • The age, sex, marital status and driving history of the licensed drivers in your household (unless you are specifically excluding them from your coverage)
  • The amount of liability insurance you want to include with your policy
  • The coverage options you would like to include with your policy
  • The amount of your deductible
  • Your qualification for any offered policy discounts

Because so many different variables go into calculating your Palm Coast auto insurance rates, you are likely to receive a different quote from every insurance company you contact. By comparing rates, you will be able to choose the policy that offers you the best price for the coverage you want.

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 are assessed much higher liability minimum requirements of 100/300/50; and motorists with certain other driving violations are also required to carry higher liability minimums than most drivers. Driving without insurance that meets the state-mandated requirements is illegal and can result in penalties, including the suspension of your plates, registration and driver’s license until you can provide proof of insurance. You are also required to pay a fine of between $150 and $500.

For motorists who have a clean driving record, Florida has some of the lowest minimum coverage requirements in the country, and this helps to keep costs manageable. However, if you are responsible for an accident that results in significant injuries, you could easily be responsible for any damage that greatly exceeds these low minimum coverage amounts. For that reason, it is a very good idea to purchase higher levels of liability coverage so that you can best protect your finances.

Number of Uninsured Motorists in Florida

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

Unfortunately, the state of Florida has the second highest rate of uninsured drivers in the county. When nearly one in four drivers sharing the road with you is operating a vehicle without insurance coverage, this puts your finances at risk. If you are involved in a collision that is caused by an uninsured driver, that driver is required to reimburse you for your property damage and any necessary medical treatment costs. Unfortunately, this compensation can be difficult, if not impossible, to collect — particularly if the individual at fault simply does not have it to give.

The good news is you can eliminate this risk by including uninsured motorist coverage in your Palm Coast auto insurance policy. If you have this optional insurance, your insurance company covers your costs upfront and then attempts to collect recompense from the uninsured driver on its own behalf. This coverage also compensates you for costs 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 relatively low in Palm Coast as well. However, this is not to say that residents of this city are immune to this risk. It is therefore a good idea to keep your car locked when you are away from it, to never leave your keys in the vehicle and to use a theft deterrent, such as a car alarm or The Club.

If your vehicle is stolen, you will be able to collect compensation for your loss only if your Palm Coast car insurance policy includes comprehensive (or “other than collision”) insurance. This insurance also provides coverage if your vehicle is damaged or destroyed by other noncollision events, such as falling objects, sinkholes, fires and floods.

Find an Affordable Palm Coast Car Insurance Policy

When you are shopping for an affordable Palm Coast auto insurance policy, you will want to be sure that you are purchasing your coverage from a responsive and highly rated insurance company and that you are getting it at a competitive rate. Comparison shopping can help you find the most affordable policy, but many vehicle owners find the process to be time-consuming and somewhat inconvenient when they do it on their own.

That is why it is advantageous to enlist the help of a Trusted Choice agent. These local agents make finding the best policy easy. They can work with a number of dependable and competing insurance companies to gather for you a variety of customized Palm Coast auto insurance quotes that you can compare. Find an agent near you to learn more and to get started.

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