Best cheap car insurance quotes in Fort Myers Beach
Florida’s minimum car insurance requirements
reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Fort Myers Beach. However, minimum liability coverage provides minimal financial protection.You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Sunshine State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Florida, and how it could affect your policy choices in Fort Myers Beach.
Cheap minimum liability insurance quotes in Fort Myers Beach
You need both PIP
and PDL
to drive in Fort Myers Beach because Florida is a no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Fort Myers Beach.
Coverage
State Minimum
Fort Myers Beach, FL
(Zip Code: 33931) Coverage
State Minimum
Fort Myers Beach, FL
(Zip Code: 33931) Do you need more than minimum coverage in Fort Myers Beach?
The state's minimum liability coverage is insufficient for most Fort Myers Beach drivers.
If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.
Cheap full coverage car insurance quotes in Fort Myers Beach
Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both collision
and comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $168 | | Jeep Commander |
• 100,000/300,000 Liability • Comp / Collision | Mercury | $188 | | Hyundai Santa FE Limited |
Last Updated Nov 11, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.