Q: I have been shopping for a Florida auto insurance quote and do not understand the difference between the various policies and coverage types. Can you give me a guide to help? Thank you in advance.

A: Getting a Florida auto insurance quote can be very frustrating due to their strict laws requiring drivers to carry comprehensive auto insurance.

There are two types of coverage you must have to drive in Florida. The first is called the Financial Responsibility section. This means that you are covered for damage to other people’s vehicles and for other peoples injuries.

The second part of the FL insurance law requires that you have minimum no fault insurance which covers you and your vehicle in case of an accident. Most policies in Florida will include both types of coverage in your policy, but some companies sell them separately so be sure to ask.

The last thing to keep in mind when considering a Florida auto insurance quote is that Florida takes car insurance very seriously. If your policy lapses the DMV is notified and if you cannot prove you have a new policy your license can be suspended. Getting reinstated after a suspension is an expensive and lengthy process as well. Be sure to have your insurance card with you at all times in Florida because if you are pulled over for a traffic violation the officer will expect to see your insurance card as well as license and registration.

Lastly, we strongly encourage everyone to shop rates online and compare quotes from several different companies. This is a tremendous way to get better coverage and save money at the same time.