• 16 yr olds are not allowed to drive from 11 pm to 6 am
• 17 yr olds are not allowed to drive from 1 am to 5am

Unless they are accompanied by a licensed driver 21 years or older or if they are driving to or from work.  See the Florida Highway Safety website for more information on the types of Florida Drivers licenses.

If you are only getting a Florida Drivers license but do not own a vehicle, you do not need No Fault Auto Insurance. 

However, if you are driving a vehicle owned by someone in your household, you should be a listed driver on their No Fault Auto Insurance policy. 

To compare your household’s current No Fault Auto Insurance premium with other competitive companies, please visit our website.

• Lock your vehicle at all times.
• Purchase an alarm system or anti-theft device.
• Refrain from leaving your keys in the ignition when you are not in the vehicle.
• Purchase a vehicle made after 2003.

According to Edmunds;

• Ford Aerostars and GM trucks made before 1998 as well as Toyota Camrys are easy to steal.
• Hondas, Acuras and GMCs made before the year 2000 can be started with a pair of scissors making them easy targets.
• Vehicles made after 2003 are more difficult to steal because they have a laser-cut key.

Carmakers may come up with new anti-theft devices year after year but the thieves quickly catch up with the latest technology.  Therefore, your ultimate defense is to have the proper comprehensive auto insurance in the event that your vehicle becomes the target of a wise thief.

Protect your vehicle by getting a free no fault insurance quote and save up to $500 a year on your auto insurance.

• Trucks:  Chev Colorado, GMC Canyon & Ford Ranger
• Coupes:  Kia Forte, Honda Civic & Chev Cobalt
• Sedans:  VW Jetta, Chev Aveo & Suzuki SX4
• Hatchbacks/Wagons:  Smart Fortwo, Chev HHR & Nissan Cube
• SUV/Crossovers: Hyndai Tucson, Jeep Patriot & Kia Aportage

Whether your vehicle is the cheapest to insure or something more, get free no fault insurance quotes on our website and save up to $500 a year on auto insurance.

For more information about which vehicles are cheaper to insure see Edmunds website

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Speed Limits
• Work Zones

To save up to $500 a year on auto insurance in Minnesota see no fault insurance for a free quote

For more specific details about the above laws please see the MN Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoint
• Speed Limits
• Red Light Cameras
• Work Zones

Obtain a free quote on our  new york no fault insurance webpage.  Compare rates from top companies like Geico and Progressive.  Switch and save an average of $500.

For more specifics on the above laws see NY Key Highway Safety Laws

• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoint
• Speed Limits
• Red Light Cameras
• Work Zones

For more specific details on the above laws please see the PA Key Highway Safety Laws

• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Sobriety Checkpoints
• Speed limits
• Work Zones

For more specific details on the above laws see the ND Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Driving
• Seat Belts
• Segways
• Speed Limits
• Work Zones

For specific details on the above laws see the Michigan Key Highway Safety Laws 

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• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Gradulated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoints
• Speed Limits
• Speed and Red Light Cameras
• Work Zones

For more in depth details regarding these laws pleases see the FL Key Highway Safety Laws

Handheld Cell Phones are prohibited  in 8 states:

• CA, CT, DE, MD, NJ, NY, OR & WA

Please see the GHSA website for further details on Cell phone use laws.

• The age of your vehicle.   The newer the vehicle . . . the higher the insurance premium. 
• Where your vehicle is kept.  Is it safe in your garage?  Or is it left parked on the street or in a public parking lot where it could be more easily damaged or stolen?
• Where your vehicle is driven.  Do you commute to a big city or do you live and work in a rural area?
• The amount of miles driven per week.  The less you drive the lower the risk.

Be informed when purchasing insurance.  See the Auto Fact Sheet for more examples of How to Save

UM/UIM Coverage:  Pays for bodily injuries to you, your family or a passenger in your covered automobile when the liable party is Uninsured or Underinsured.

• Uninsured:  Liable party has no bodily injury liability coverage.
•  Underinsured:  Liable party has some bodily injury liability coverage;  but the amount of coverage is not enough to cover the extent of damages you, your family member or passenger sustained.

For more information on UM/UIM Coverage. . . see the Florida DFS website.

• Collision Coverage:  Pays for the repair or actual cash value of a covered auto damaged as a result of an accident with another vehicle, property or thing.  It also covers single vehicle accidents as well.  Payment can be made regardless of who is liable and is subject to a deductible.
• Comprehensive Coverage:  Pays for damage caused by incidents “Other than Collision” such as:  fire, theft, windstorm, vandalism, animals, flood or flying objects.

For more information on Collision Coverage see Florida DFS Library website. 

For more information on Comprehensive Coverage see FL Statute 627.7288

• Mature Driver.  (Age 55 or older who participates in an accident safety course.
• Good Driver.  (accident and violation free driving record)
• Alarm System.  (To minimize probability of theft)
• Restraint Systems.  (Airbags, anti-lock brakes)
• Good Student.  (Good grades indicate more responsible behavior

Be sure to ask if all possible discounts have been applied to your premium.

For more examples of How to Save see My Florida Auto Fact Sheet.

1. Florida law requires you to stop if you are involved in a car accident. Driving away will only make matters worse.
2. Check yourself , others around you, and any other cars involved for injuries. Call Emergency Medical Services 911 if necessary.
3. Cars with minor damage need not block the roadways. If the cars are safe to move, do so. Take a few quick pictures if a digital camera or cell phone camera is available. Your pictures should capture the position of the cars on the roadway.
4. Call the police. Florida Highway Patrol can be reached using your cell phone if you dial *FHP  or *347.
5. It’s generally a good idea to not discuss the accident with others. Instead, discuss the accident with the police if necessary.
6. Seek immediate medical attention if you are injured, or think you might have been injured.
7. Notify your insurance company to report the accident. Your insurance company will explain what you will need to do next.
8. You will need a copy of the police report. Ask the police man or woman for their name and badge number to make finding them later easy.
9. Contact an attorney that specializes in Florida car accidents. This is not necessarily the last step. You will generally want to contact an attorney prior to giving any recorded or written statements and to learning your rights and responsibilities.
10. Complete your Auto Accident Report Form as soon as possible. The longer you wait, the less likely you are to remember important facts about the car accident. Contact your insurance company to obtain an auto accident report form.

Need car insurance? Get a free no fault insurance quote online now.