Car Insurance Quotes in Lakewood Ranch

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Florida Insurance Basics

No-Fault State: Florida is a no-fault state, meaning your Personal Injury Protection (PIP) pays your medical bills regardless of who caused the accident.

Financing Requirements: If you take out an auto loan, your lender will require you to carry Comprehensive and Collision coverage with specific maximum deductibles (often $500 or $1,000).

Gap Insurance: If you are putting down less than 20%, consider Gap Insurance to cover the difference between the car's value and your loan balance in case of a total loss.