Driving uninsured is no way to get around, especially if you have a history of getting into accidents. Acquiring some Florida auto insurance should be your first priority if you are trying to get on the straight and narrow in the Gator State. Insurance rates on the peninsula can run pretty high, but getting into a serious collision can cost you far more than the cost of a monthly premium. Many first-time policy purchasers worry that comprehensive insurance is cost-prohibitive. After all, what is the point of insuring a mid-80s compact Honda when the annual costs of doing so exceed the total value of the car? The answer is quite simple: liability. Just because you may not care about damages to your vehicle does not mean you are not responsible for damage done to others.
The truth of the matter is you do not need to have all kinds of coverage for your old beater. In fact, abiding by the minimum state requirements might be suitable for your needs. However, the majority of drivers on the road will want to have some form of bodily injury liability coverage in case you or another driver is hurt in an accident. You will also want to make sure anyone else driving your vehicle is protected. If your teenage son or daughter is itching to get behind the wheel of the new car, remind them to be safe, but also remind them to get good grades because it can result in big discounts on your rates.
