Auto insurance is like a family reunion because there are so many different forms of it and it can be difficult to say who is telling the truth and who is hiding it. Don’t worry, however, that you’re the only one entering this arena. Why is florida auto insurance so expensive?

Please consider your policy as a sumptuous feast. You will find liability coverage, always necessary for the table, which can compensate the other person when your accident causes their car damage—just think of it as meat and potatoes. Collision insurance means accidents involving one’s own vehicle. It’s like a pudding—nice to have, especially if you are the kind of person who takes nonsense boasting about what you might aspire to eat as gospel.

If one seeks for a totally safe way of life, comprehensive insurance is the way to go. It takes care of the little surprises which life brings : burglary, natural catastrophes, or an unexpected deer going cross country take. You might think of such coverage as clapping on pizza extra toppings, or giving your policy that good upgrade.

“But part of these deductibles,” you ask, “What is that?” That is the amount you pay before the insurance company stepped in. The deductible is like paying for a nightclub’s cover charge and then going in free: a little up front before many later benefits.

Another fun fact: Some plans include personal injury protection (PIP), which provides funds for medical expenses if you are hurt in an accident. When things are not going well, PIP is the unsung champion who steps up to help you.

What are the factors that affect the amount you pay for insurance? Those like your age, driving record and even where you park your car at night. Insurance providers are like your nosy neighbor, keenly interested in all the nuances of your driving life.

Feeling overwhelmed in the face of all this information? Are you confused by this insurance jargon? A bit of insurance know-how can be like taking a reliable guide along. Feel free to ask questions–lots of them. Speak to agents, look through policies and before you know it, insurance terms will become as second nature to you as riding a bike.

So there you have it! You have now just taken your first step into the complex world of auto insurance.