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Originally Posted by retiredguy123
Is that $1200 per year or for 6 months? If it is for a year, the rate sounds pretty reasonable. A lot of younger people pay more than that. The age of the car has very little to do with the rate.
One way to reduce your auto insurance in Florida is to drop the uninsured motorist coverage. It is mandatory in many states, but optional in Florida. In my opinion, it is redundant with heath insurance and not worth paying for it. Some people incorrectly think it provides liability coverage. It doesn't.
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Uninsured coverage pays an insured amounts an uninsured motorist would owe the insured for their injuries. While your medical bills may be paid, what's a lifetime injury worth that prevents you from doing things such as golfing or dancing. Worst case scenario what if an insured is killed? UM coverage steps in pays what the UM would owe.
Too many uninsured motorists in Florida and the fact they aren't insured is indicative as to how responsible they are. This coverage protects you for much more than medical bills and is something you need to have.