Located in the Tampa area, Clearwater, Florida is a major city with a population of around 108,000 according the United States census. It was the site of a training base in World War II, and also played a prominent role in the Civil War. These days, Clearwater's a prosperous city known for its pleasant weather--one of the nicest places in the United States to live. However, some of the drivers in Clearwater have difficult time budgeting for car insurance, as Clearwater auto insurance quotes can sometimes get excessive. By understanding the ways that different factors affect your rates, it's possible to quickly find better rates, regardless of the vehicle you drive.
Some Clearwater drivers try to lower the cost of their premiums by lowering coverage. Before you take this step, it's important to know how your policy operates in an accident. Florida uses "no fault" insurance, which is unusual, as most states use traditional tort systems. Under a no fault system, both drivers' insurance policies cover the cost of damage caused to their vehicles in an accident. This keeps car insurance rates low by keeping accident cases out of the court system. Because of this, insurance minimums are different in Florida in comparison to other states--$10,000 in property damage liability and personal injury protection is required.
It's inadvisable to buy only these minimums, though, as this puts you in potential risk if you're involved in an accident. Don't lower your insurance coverage to get a lower rate unless you're positive that you've been paying too much. Different drivers will need different amounts of coverage; for instance, if you drive an expensive vehicle, you'll undoubtedly need good comprehensive coverage and a low deductible to handle the potential costs of even a minor accident. You can also get discounts for lowering your risk to your insurance company by taking defensive driving courses, installing a car alarm, driving under a certain number of miles per year, and in many other ways, but these types of discounts vary from one insurance company to the next.
It's a much better option to compare several Clearwater car insurance quotes in order to find the best possible price. This lets you get a good idea of what coverage should cost for your vehicle, and it's essential if you're trying to negotiate with your insurance company for a lower rate. We offer a tool that allows drivers to find low costs for Clearwater car insurance. It can use a zip code to generate several quotes quickly, and it's helpful for any driver who's trying to find lower rates or better coverage.