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How much car insurance should I get on a cheap old beater in Florida?
I just bought a cheap car from my friend, and it's my first car. What type of coverage should I get in Florida?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Typically, people employ the 10% rule as far as
car insurance
goes. This means that if you add up collision and comprehensive coverage, plus the deductible, and it’s more than 10% of the value of your vehicle, you don’t need this added coverage. From what you’ve described, this rule will probably apply.In that case, you’ll only need
liability insurance
. Just remember that the state-minimum requirements are typically too low to fully cover you in an accident, especially in a no-fault state like Florida. Increase your coverage to something like 50/100/50 or 100/300/100 to make sure you aren’t paying out of pocket if you’re in an accident.”View full answer
- Gregory R.
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