Why is my policy with The General low but the price from all the other insurance companies so high?

"I just moved to Florida and started getting insurance prices for my car. I have tried every insurance company I could think of and the prices here are crazy high! Then The General quoted me a really low policy, so low that I am a little nervous. Why would a policy with them be price so differently?"

Answer
“When comparing premiums with several insurance carriers, it is crucial to make sure all of the coverages are the same.
Florida’s insurance requirements are unique because drivers are not required to carry bodily injury liability coverage. The minimum needed to drive is property damage and personal injury protection(PIP). Take another look and make sure that The General has bodily injury coverage listed in your quote; if not, that is why the price is so different.
While bodily injury liability isn’t required, it is strongly recommended to carry this protection anyway. Each driver’s PIP coverage will cover medical payments. Once this limit is exhausted or if there is a lawsuit due to lost wages or pain in suffering, the bodily injury liability would kick in. If you decline this coverage, you would be held personally responsible for the overages.”
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Shannon Martin
Answered on Jul 28, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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