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Although finding homeowner's insurance in the Sunshine State is becoming increasingly difficult, Floridians will find that shopping for auto insurance has become easier than ever. With just a few clicks of the mouse, you can request a quote online and have your answer in seconds.

One of the main benefits of requesting auto quotes online is the ability to easily compare the policies and rates. Many sites such as insurance.com and insureme.com allow users to receive quotes from multiple companies by filling out a single form. The results are then displayed side-by-side for convenient comparison. This is much less time-consuming than requesting quotes from each company individually.

When requesting quotes online, you will need to submit all the same information you would at a face-to-face meeting with an agent. Be prepared to provide the following:

* Full name
* Gender
* Date of birth
* Marital status
* Address
* Vehicle make and model
* Current coverage
* Driving record
* Yearly mileage
* Employment status

Before selecting a policy, it is important to know what coverage your state requires. In Florida, drivers must carry a minimum of $10,000 in Property Damage Liability (PDL) and as of January 1 of this year, Personal Injury Protection (PIP) as well. Because PIP has a $10,000 limit in Florida, it is advisable to also purchase Uninsured Motorist coverage.

One drawback of shopping online for auto insurance is that you don't have the advice of an insurance professional. Most of the insurance websites suggest standard coverage amounts that may not be ideal for your individual situation. This is particularly true if you own an older vehicle. In this case, it might be beneficial to contact an insurance agent to find out what coverage you really need and what is optional. But for most drivers, shopping for online is a great way to find the policy you need.

An educated consumer is a wise consumer. So before purchasing auto insurance, take a few minutes and look online to see what options are available to you. You might find just what you're looking for without even leaving home.

Source: Florida Department of Motor Vehicles, www.hsmv.state.fl.us

Learn more about this author, J Tyler.
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