3 Reasons to have Comprehensive Auto Insurance in Florida

Insurance regulations vary from one state to another, and it is important that you have the right knowledge and the information on hand so that you can make an informed decision about what type of insurance you need on your vehicle in the State of Florida.

Despite the fact that Florida law requires all licensed drivers to only carry minimum personal injury protection and liability insurance as it’s a no-fault state, here are a few reasons to have comprehensive insurance on your vehicle.

1.     Florida’s Weather is Unpredictable

While the state has the reputation of having beautiful weather year-round, it’s not always sunny and breezy in Florida. The state gets more than its fair share of rainfalls and thunderstorms too. The state also has an official hurricane season – from June to November – and tornadoes are common here too. On average, Florida gets about 55 tornadoes every year.[1]

All these climatic factors significantly increase the chances of vehicle damage.

2.     The State Receives a High Number of Tourists

The wide array of tourist attractions make Florida one of the most visited states in the United States. The state receives millions of tourists every year from all over the world. The majority of them are likely to be unfamiliar with local laws and routes.

With all the tourists driving around the state, fender benders are a common occurrence; and they may not necessarily hit your car while you are on the road.  

3.     Crime Rate in Florida Is Higher Than The National Average

There’s only a slight difference in the national average crime rate and that of Florida. The fact that the state’s rate is higher in both violent and property crimes is enough to make a person want to secure themselves and your properties.

All these factors can cause Floridians to suffer from vehicle damages that basic auto insurance doesn’t cover. This is why it is wise to get a comprehensive (full-coverage) insurance for your vehicle. It may cost higher, but it’s worth paying the extra money than having to bear repair expenses that can go up to thousands of dollars.

Comprehensive and collision coverage may be required when you have a loan out on your vehicle. Try our online rating tool to acquire a quote on home or auto insurance.

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