Be Insured In Florida

      This sunshine state has beaches, oranges and plenty of fun. But these are just the stereotypes behind the long state surrounded by ocean. The real Florida is much more about adventure, raising families and bringing cultures together. There are densely populated cities such as Miami, and also long stretches of nothing but wilderness. The best part about Florida is the excitement it brings when food, culture and people come together. Florida is the only state in the United States that has a tropical climate. What does this mean? Simply that the weather can go from absolutely beautiful to hazardous overnight. But people don't mind taking these risks to enjoy the stunning ocean views or deeply thickened forests. In fact, there is a large retirement community that gathers here. Whether it's year round or seasonal, people choose to spend their leisure time here! Surrounded by beautiful water, Florida is a great tourists destination as well. Take the family to Disney World in Orlando, or maybe take up sunbathing off the coast of Miami. Whatever drives you to visit Florida, come on by! The food is always hot and the sun even hotter. You cherish where you live, so why not be protected? Getting your cheap insurance in Florida can be easy and inexpensive when you shop with us.  

Insurance Facts

  • Be sure to search all the options for cheap car insurance Florida can offer before you buy your next policy.
  • The average 12-month auto insurance premium in Florida as of December, 2016 was $1,654. That's a $124 increase over the 2011 rates, which is due in part to claims arising from the high number of uninsured drivers.
  • Driving without insurance in Florida can result in a suspension of your registration or driving privileges, and a reinstatement fee of between $150 and $500, plus the cost of insurance.
  • Florida has one of the highest uninsured motorists rates in the country. Possibly as high as 25%.
  • According to the state's Department of Transportation, there are over 15 million registered vehicles on the road. This makes Florida the fourth most populated state in the nation.
  • Florida has some of the lowest insurance requirements of any state in the nation.

Car Insurance

    Getting the best cheap car insurance Florida has to offer starts with talking to an experienced broker. Whether you commute to work every day or only drive every once and a while, your protection is important. The best way to start searching for car insurance is to know more about your car and yourself. You could save money based on where you live, what your credit score is or even what job you have. Living in Florida has so many great pleasures, why risk losing any of it by not being fully covered.  

Ask yourself these questions:

  • What is your age and the age of your drivers? Did you know that the younger the driver the more the policy?
  • Teenagers are four times more likely to get into an auto accident. Because of this, insurance policies for younger people can be much more.
  • There are insurance policies for risky drivers as well. You may pay more for your insurance policy if you are a "high-risk" driver.
  • Having multiple tickets, or a DUI, you may be unable to attain the lowest insurance policy. However, Cheap Insurance can make sure you are still covered with the insurance that is required.

State Car Insurance Requirements

  • Florida state is a "no-fault" state. This means that an individual's insurance company covers their losses regardless of fault.
  • Florida requires a minimum of $10,000 for Personal Injury Protection.
  • Florida also requires a minimum of $10,000 Property Damage Liability.
  More coverage may be necessary, so here is what you might want to feel fully covered:    
  • Collision coverage which will pay for you and your own car in an accident. Even though Florida is a no-fault state, there may still be damages or medical expenses that need to be covered.
  • Comprehensive coverage will cover things such as theft and smaller damages not incurred in an accident.
  • Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
  • Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
  • Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
  • Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.
  Don't wait until it's too late. Call a broker today and feel more secure when driving tomorrow!   Car Quote      


Motorcycle Insurance

    You might be surprised to know that motorcycle insurance is not a state law in Florida. Unlike most any other state, Florida doesn't make insurance for a two wheeled motorcycle a law. However, the person is still held accountable for any injuries or liabilities caused by a bike. This leaves the motorcycle rider paying out of pocket for accidents and injuries. Don't get stuck in this position. You will want cheap motorcycle insurance in Florida. Attaining motorcycle insurance is easy when you call us today! We could have you covered in minutes. Your best bet when out on a bike in congested traffic is to be fully insured. Riding a bike comes with a certain amount of risk. Have everything covered from liability to collision to roadside assistance. It matters most when you are in trouble. And if you are not insured, by then it will be too late.  

Here are some ways you could save on your motorcycle insurance:

  • Ask for discounts and ways to bundle
  • You could have discounts for safety courses- there are many safety and training courses available and usually take up one whole day to complete.
  • Discounts for more than one motorcycle- if you have multiple motorcycles or vehicles, you could bundle and save!
  • Additional products purchased could also help you save. Bundling multiple policies together is always a good idea.
  • Discounts for being a safe driver- years of a good driving record will save you when searching for the right insurance.
  • You may even qualify for discounts by being apart of a group or organization.
  Get your free quote today by clicking on the button below. You could have instant saving in minutes!   Cycle Quote    

Homeowners Insurance

    Your home is very important to you and your family. You may have been working towards homeownership for a very long time. So why not be protected as you should be? Florida is known for its natural disasters. And no matter how lovely it can be to live here, you can't expect to be free from hurricanes. Some cheap homeowners insurance policies are not so cheap at all. In Florida you may need extra protection and this may cost you. First things first, you should know what homeowners insurance is and how it can work for you.    

Let's take a look at what homeowners insurance looks like in the state of Florida:

  • When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
  • Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.
  • The location of your home, the construction type, roof slope and many other features contribute to how much your homeowners insurance will be.
  • You can save money on your premium by raising your deductible.
  • ou have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
  • Not every type of damage is covered by homeowners insurance. Ask your agent if you have something specific you would like covered.
  • There is a deadline for making a claim on your homeowners insurance policy. There is usually a two week window to do so.
  • It is always a good idea to make an inventory of the valuables in your home. You could always take pictures or video of the things you have and add up the costs.
  The fact of the matter is, your home has all of your valuables in it. Most of your memories and a great deal of your time and money invested. Secure this investment by having the proper coverage. You can call today and talk with a broker or simply get a free quote online.  


Life Insurance

  Your life and the life of those around you seem secure. But anything can happen. If you are hoping to leave money behind to those you love, don't wait until it's too late. Get your cheap life insurance policy together today! When most people think of life insurance, they think of death. The simple truth is, life insurance is for the living. Whether you are a newly married couple, or a single parent, if you have people in your life that depend on you, then you have plenty of good reasons to get life insurance. If you are living in the last days of your life or maybe just starting out, life insurance can help. You can think of it as an investment opportunity. Invest in the happiness and well-being of those you love. If you have debts and obligations, don't leave them with your nearest and dearest.    

What is a life insurance policy?

  • A policy is a contract between a life insurance company and someone who has a financial interest in life value of someone else. Sometimes it doesn’t have to be a person but a trust. Putting money aside for another individual in case of death can greatly benefit family and friends.
  • There are over 800 life insurance companies in the United States. With this amount, you are most likely going to find the perfect policy to meet your needs. Only 60% of all American have a life insurance policy in the works. This means that there are a lot of families still out there who will be stuck paying for the deceased.
  • Life insurance is a contract. You sign up for a certain amount of life insurance. The Insurance company takes in your premiums monthly. When you pass,  the company pays out what is called a “death benefit” to whoever you leave the money to. The different between the premium that the insurance company has taken in over the years, and the death benefit, are their profits.
  Make then best decision of your life and help those you leave behind. If you have any questions, one of our  helpful representatives can surely answer it for you.   Life Quote    

Health Insurance

    The health of yourself and your family are very important to you. You may feel like you have it all living in Florida. The sun is good for you and so is the fresh air. But we all need health insurance. Getting the best cheap health insurance Florida has to offer is where you need us. From doctors appointments to prescriptions being filled, health insurance is a big deal. The amount of retirees that live in Florida means that health insurance is a huge industry here. It also means that hospitals and medical centers are prevalent. You are in good hands in the state that you love so much. So why not be protected and insured?    

What will my health insurance cover?

  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • To qualify for government healthcare, one must meet a financial criteria.
  • In a traditional healthcare plan, the doctor is reimbursed for all or some of the patients visits by the healthcare insurance company. This gives the patient the freedom to choose their own doctor and plan. For this type of plan, there is a premium paid and usually a yearly deductible.
  • Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you
  Health Quote    

Renters Insurance

    When you rent a home, you are not responsible for the homeowners insurance or mortgage insurance. But what about your own belongings? Adding up all of your valuables might be a good idea. You might be surprised at how much money you have invested in your home even if you don't own it. In the United States, nearly 40% of all households rent instead of own. Renters Insurance from Cheap Insurance covers your valuables anywhere in the world!    

What Can Renters Insurance Do For Me?

  • A landlord's insurance policy may not cover theft and damages. You will want to have your own. Most landlord's insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.
  • Renters insurance could save you in a law suit. When something happens to someone in your home, they could sue. Renters insurance could protect you.
  • Insurance companies will take depreciation of valuables into account when calculating what your valuables cost.
  • Theft- if someone comes into your home and steals any personal property
  • Fire or lightning damage- mother nature has a way of damaging property
  • Smoke damage- a small kitchen fire can cause a lot of damage, be covered.
  • Water damage- if there is any water damage to the house you are renting it could costs thousands to repair.
  Get your free quote today and take pride in renting!     Renters Quote      

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