Car Insurance
The system that is already familiar to drivers applies here: liability insurance and car damage insurance Consider what conditions are necessary to obtain a car insurance policy, and which are essential:
For people over the age of 25, insurance will cost significantly less. This is because most car accidents in America are committed by young people (18-25 years old).
If you get your driver’s license in the same state where you intend to get the policy, you will get a small discount.
Your driving record also matters. If you come. For those with higher education, there is also a discount (5-10%).
If you have a car on credit or lease, the cost of the policy will increase by 15-30%.
Your driving history is also taken into consideration: the organization checks to see if you have any fines or have been in an accident, etc.
The cost depends on the state, in this case an additional factor will be applied.
If you have a garage, your insurance will cost less.
Other conditions determined on a case-by-case basis and stipulated in the contract.
Liability
This car insurance in the U.S. is a MUST for everyone. When Americans rent a car, they always use their insurance, which covers them perfectly.
Exactly for this reason, coming to the car rental counter at the airport, you have a chance to refuse the extra insurance, and the clerk handing you the car will put in the contract that you have refused their insurance. But if you are stopped by the police or, God forbid, an accident, you will be asked for it. If you do not have it, it immediately becomes a criminal offense.
When you book a car on all the major sites, you only see the price for the car! MTPL insurance is usually not automatically included. The big agencies have it for $14 a day.So consider that in advance.
Collision Damage Waiver – Car insurance in the USA.
This additional insurance covers the car you drive. In the event of an accident, regardless of fault, all claims against you will be limited to the amount of the deductible (from 0 to $1000).
Excess is the amount of damage you cover with your own money if you are involved in an accident through your own fault before your insurance begins to cover the damage.
This insurance is sold by all major sites at $10 per day and directly by rental companies at a higher cost ($15-25 per day).
The difference is that if the car is damaged you will have to deal with the insurance and the rental company in the first case, or only the rental company if you purchased this insurance directly. In the latter case, you will be immediately issued a replacement, and you will continue your journey.
Whether it is worth taking full insurance is up to you to decide. You must keep in mind that in Florida, 24% of people drive a car without any insurance. So it is a good idea for the police to be more thorough, and paying for insurance may not be a bad idea.
Even experienced drivers can get lost in new and unfamiliar surroundings. South Florida is full of tourists and is considered one of the most dangerous places in the United States. In any case, we wish you an accident-free drive!
