Tampa Car Insurance

Are you looking for a car insurance Tampa company? Do you want a good insurance policy without compromising on service or coverage? Over the years, many car insurance companies have grown in Tampa. If you are looking for quality and affordability, you must understand the city. Tampa is the 3rd most popular and busy city in the state of Florida. It is known for its healthcare, construction, finance, and technology. The construction of roads in Tampa has a long history (dates back to 1880s). Today, it is influenced by many car insurance regulations. As potential drivers, you must understand Tampa’s regulations before making a buy.

Safety Requirements In Tampa

Just like many other cities, Tampa has standard safety requirements. Remember, talking and texting laws are defined to ensure driver safety. Though Florida has not imposed a statewide law on cell phone usage (while driving), you should be careful. In Tampa, drivers are fined for using cellphones. This is considered as a form of distracted driving. Any action that breaks the state’s road rules and increases the risks of an accident can be ticketed. These tickets will increase the net cost of your cheap car insurance Tampa.

Coverage	Requirements	Most Common
Bodily Injury Liability	Not required	100,000/300,000
Property Damage Liability	10,000	50,000
Uninsured Motorist Bodily Injury	Not required	10,000/20,000
Medical Payments	Not required	5,000
Collision	Not required	500 deductible
Comprehensive	Not required	250 deductible

Moving on, you must wear a seatbelt while driving. Anyone above 18 years of age should wear a seatbelt. If you violate this law, you will be asked to pay between 30 and 70 USD. Children below the age of 5, should be carefully kept on boosters or safety seats. The seats should be secured with care. After 6 years of age, children can be allowed to use seat belts. When you drive in Tampa, both passengers and drivers should wear a seatbelt.

Driving Conditions In Tampa

Driving in Tampa during the cold, rainy seasons will be difficult. And, summer drives can become tougher with rain. In winter, you will experience mild freezes. Though snowfall is rare in Tampa, driving in winter can be risky. With rainfall and snow, traffic stands still in the city. This is when driving becomes a serious issue! In fact, extreme weather increases the risks of accidents.

Crime Statistics In Tampa

Just like many other cities, auto insurance Tampa is influenced by the neighborhood. It depends on the city’s safety measures and records. Safe cities have best car insurance policies for customers. Unfortunately, Tampa is an expensive city for car insurance policies in Florida. That is because the crime scene in Tampa is very active. According to a study in 2015, around 570,000+ property crimes were registered. This includes 45,000+ vehicle thefts too! Within the heart of the city, 40,000+ vehicle thefts were reported. This proves the reason behind Tampa’s high car insurance rates.

City	Population	Car Thefts	Thefts per 1,000
Jacksonville	822,414	1,973	2.40
Miami	440,482	2,449	5.56
Tampa	347,830	838	2.41
St. Petersburg	243,666	1,236	5.07
Orlando	240,222	1,193	4.97

Odd And Unique Laws In Tampa

Men cannot wear strapless dresses in the city!

Well, there many interesting laws in Tampa. Once again, these laws will control the cost of your car insurance premiums. Within the city, insurance rates differ from one zip to another. If you are in Tampa, you must keep an eye on local accident statistics and even weather conditions. If you have good driving skills, your car insurance company in Tampa will give you interesting discounts. It is not advised to engage in any kind of fraud. Try to understand all rules and laws in your zip code. That way, you will gain advantage from your insurance company.