Winter Haven Car Insurance

Everything You Need to Know About Car Insurance in Winter Haven

Winter Haven, FL is a beautiful city located just between Tampa and Orlando. It’s well-known for the gorgeous lakes, the largest LEGOLAND on earth and many tourist hot spots to explore. The city has a steady flow of visitors moving in and out as well as a serious problem with car accidents. In 2014, there were 10 people involved in fatal accidents in Winter Haven. It’s a timely reminder that you just can’t afford to skimp on Winter Haven car insurance. Shopping for auto insurance can get overwhelming, but Trusted Choice® Independent Insurance Agents can help. Our friendly agents offer one-on-one support as you build a customized car insurance plan that protects against accidents, theft and liability. 

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

Living in sunny Florida is a dream come true for many, but the state’s high car insurance rates are sometimes frustrating. Before you resign yourself to paying high premiums, talk to a Trusted Choice Independent Insurance Agent about ways you can save. Ultimately, your premium is based on how long you’ve been driving, the type of car you drive and your recent driving record. 

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. These numbers can get confusing, but Trusted Choice Independent Insurance Agents can explain your options in greater detail. Basically, these are the starting point for building your customized auto insurance plan. While you can choose coverages that are higher, you can’t go below these minimums set by Florida lawmakers.

Number of Uninsured Motorists in Florida

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

With steady tourist traffic flowing through Florida, uninsured motorists have become a growing problem. Winter Haven drivers have to stop and consider the risks. If you get hit by a driver who doesn't have adequate insurance, the responsibility to pay for the damage falls on you. By adding uninsured motorist coverage to your auto insurance policy, you have peace of mind that you’re covered and won’t be stuck paying that bill out of pocket.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

While Winter Haven is generally viewed as a friendly, safe city, auto thefts do happen sometimes. You should always take precautions by locking your doors and parking in areas with good lighting. Security systems are another smart way to protect your vehicle. The best way to safeguard your car is by choosing an insurance policy that includes coverage for auto theft just in case it happens to you.

Find a Great Winter Haven Car Insurance Policy

Winter Haven’s heavy traffic can be more than a headache. It can be a serious financial threat when you think about accidents and the potential cost of damage. Trusted Choice Independent Insurance Agents can help you find a comprehensive car insurance plan that will safeguard your car and your wallet. 

Our experienced agents proudly offer multiple rate quotes and have access to a wide network of coverage options. You’ll get one-on-one support each step of the way as you shop for an affordable Winter Haven auto insurance plan. Contact a Trusted Choice Agent today to learn how you can save on car insurance rates, and get a free quote on coverage in Winter Haven.

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