Each driver is as unique as the next and as such many drivers need insurance that is specific to them and their individual driving records, where they live, and more. It is important that in order to get the best rates and the best coverage, each driver consider their needs, driving records, and budgets when it comes to determining what insurance they need. For those families that have teens on their insurance it may be also be beneficial for drivers to seek special coverage and to get cheap auto insurance in Florida.
FL Car Insurance for Teenage Drivers
Understanding the Graduated Licensing program in any state is important for every driver and should be determined prior to adding any driver to the insurance of any family. Teenage drivers are naturally less experienced than other drivers and as such it is important that parents understand what is needed for these drivers to create and hone the skills necessary to become proficient drivers. Understanding the GDL laws is the first step to creating responsible drivers and get the best Florida car insurance quotes.
|GDL Law Requirements:||Florida|
|Mandatory Learner’s Permit Hold||12 months|
|Supervised Practice Driving||50 hours mandatory with at least 10 being night hours|
|Unsupervised Nighttime Driving Ban||yes between, 11 p.m. and 6 a.m. (16 year old permit holders) or 1 a.m. and 5 a.m. (17 year old intermediate level drivers)|
|Passenger Restrictions||yes, prohibits more than one non-family member passenger under 21 without a licensed driver over 21 years of age is in the vehicle during the entirety of the intermediate level through the age of 17.|
|Cell Phone Use||prohibited unless making an emergency call.|
|Texting||texting is prohibited for any reason.|
Getting DUI Insurance in Florida
Another special type of driver to consider is those that have had a DUI on their driving record. For these drivers rates can be incredibly high and therefore incredibly difficult to procure. In this case it is important for drivers to understand how to go about getting the proper insurance. The most important difference between DUI insurance and average insurance is the increased liability coverage that is required by the state of Florida. For those drivers with a DUI $100,000 liability coverage is needed to cover one person killed or injured in one crash, $300,000 needed to cover two or more persons injured or killed in one crash, and $50,000 needed to cover property damage.
SR-22 Insurance in Florida
For other drivers it may be necessary to take out a SR-22 insurance policy. This means that a driver needs proof that the minimum amount of liability coverage for that state is being carried by a specific driver. Generally this is not needed unless a driver is trying to get driving privileges reinstated or they need proof for some other reason.
Understanding the laws and regulations regarding insurance in any state is the best way to get the coverage that is needed and necessary. The first and foremost action that any driver should take is to consider which insurance coverage is needed and how much money each driver is willing to pay. Understanding the basics is the best way to get the cheapest auto insurance coverage in Florida that is necessary quickly and easily.
Use the quote generator below to get a detailed quote regarding the coverage you need.
And don’t forget to check out ways to save money in major Florida cities:
- Auto insurance in Boca Raton
- Car insurance in Miami
- Auto insurance in Orlando
- Car insurance in Tampa
- Auto insurance in Tallahassee
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