Sunrise Car Insurance

Everything You Need to Know About Car Insurance in Sunrise, FL

Sunrise, FL is a city located in the Miami metropolitan area. While this smaller city does not experience roadway congestion as much the larger city of Miami, it still sees its fair share of traffic. Whether you are merging onto the Sawgrass Expressway on your way to Boca Raton, passing a slow moving vehicle on Sunrise Boulevard while out running errands or cruising down University Drive on your way to cheer on the Bengals at Piper High School, you run the risk of being involved in a vehicular accident every time you get behind the wheel of your car. Fortunately, you can protect your finances in the wake of a collision by investing in a suitable Sunrise auto insurance policy.

It is to your benefit to look at policies and rates from a few competing insurance companies before you purchase any kind of insurance policy. Comparison shopping for car insurance is easy when you work with a knowledgeable Trusted Choice® agent. These agents can work with many different insurance providers to gather a selection of customized Sunrise car insurance quotes that you can compare before making a selection. Find an agent near you to get started.

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

The average price for car insurance in the state of Florida is significantly higher than the national average, and the figures listed above can only give you a ballpark idea of how much your policy might cost. Your actual Sunrise auto insurance rates are calculated by each insurance company that you request a quote from based on several different factors, including but not limited to the following:

  • The value, make, model and year of the vehicle or vehicles you are insuring
  • The approximate number of miles you drive each month
  • Your driving record and insurance claims history
  • The age, sex and marital status of each driver in your household
  • The amount of liability coverage you wish to purchase
  • The amount of your deductible
  • Your credit score
  • Your qualification for any offered policy discounts

Each insurance company is likely to offer you coverage at a different price, so comparison shopping is a great way to find the most affordable policy.

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

Florida’s minimum coverage requirements are rather low when compared with other states' requirements; and while these limits may be high enough to cover your liability in the event of a smaller accident like a fender bender, if you are responsible for a serious accident, your liability costs are likely to be much higher than what a minimum coverage policy compensates. You may therefore want to protect your assets by purchasing higher liability coverage amounts with your Sunrise car insurance. Your Trusted Choice agent can help you determine how much liability insurance you can reasonably afford by enabling you to compare quotes for different levels of coverage.

Be aware that the state’s minimum coverage requirements are much higher for certain drivers. If you have a DUI conviction on your record, for example, the state of Florida requires you to carry the minimum liability limits of 100/300/50. Having certain other driving violations on your record can also cause your minimum coverage requirements to be increased.

Number of Uninsured Motorists in Florida

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

Driving without insurance that meets or exceeds Florida’s minimum requirements can result in the suspension of your driver’s license, plates and registration until you pay a fine of up to $500 and provide proof of insurance. 

Regardless, drivers in this state are the second most likely to be uninsured. When almost one out of every four on this state’s road may be driving without insurance, that puts law-abiding drivers like you at a risk. This is because if you are in a collision that is the fault of an uninsured driver, that person is responsible for covering your damage and medical treatment. Unfortunately, it can be very difficult and time-consuming to receive reimbursement for your costs.

That is why it is a good idea to include the optional uninsured motorist coverage with your Sunrise car insurance. That way, if you find yourself in this situation, your insurance company compensates you for your losses immediately and then pursues reimbursement from the responsible driver on its own behalf. This insurance also covers damage and injuries caused by 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

Auto theft rates in Florida are a bit lower than the national average, and the risk is even lower in Sunrise. In 2014, there were only 140 auto thefts reported in this city. That equates to about 1.53 thefts per 1,000 cars — about half the national average.

If your car is stolen, you receive compensation for your loss only if your Sunrise auto insurance policy includes comprehensive coverage (also referred to as other-than-collision insurance). This optional insurance also covers other noncollision-related damage, such as that caused by falling objects, flying debris, floods, fires, sinkholes and vandalism.

Find the Best Sunrise Car Insurance Policy

Naturally, you don't want to pay more than you have to for car insurance. However, if you buy a policy without first taking the time to compare quotes from a few competing insurance companies, chances are good that you will do just that. That is why savvy car owners in Sunrise turn to a Trusted Choice agent for assistance when they are shopping for an affordable policy.

Trusted Choice agents make finding coverage at an affordable rate easy by doing all of the comparison shopping legwork for you. They can contact a variety of competing insurance companies on your behalf and can then provide you with a great selection of customized quotes to review and compare. That way, you can be sure that the policy you select offers the best value for your money. Find an agent with an office near you today to learn more about your various Sunrise car insurance options.

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