With a more extensive canal system than any other city on earth, Cape Coral, Florida is a fascinating place to live and raise a family. Unlike other communities in Florida, which arose organically, Cape Coral was master-planned. The planners seem to have done a good job, considering that the city boasts one of the lowest crime rates in FL, according to the Florida Department of Law Enforcement. And everyone from boating enthusiasts to the many, many burrowing owls who call Cape Coral home agrees that the town boasts some of the best weather anywhere in earth. With so many good things going for the city, you might think that locating quality Cape Coral insurance quotes would be snap. However, local ecological idiosyncrasies can make insurance buying more challenging than one might expect.
A Carnival of Cape Coral Insurance Quotes for Drivers
Whether you commute every day across the Cape Coral Bridge to Fort Myers, or you rely mostly on LeeTran buses to get you to and from key areas in the city, chances are that you need Cape Coral insurance for your auto, truck, or other vehicle. According to Florida law, as of February 2010, drivers must carry property damage liability as well as personal injury protection insurance. Florida's minimum liability limits include $20,000 for bodily injury per accident, $10,000 for bodily injury per person, and $10,000 for property damage liability.
On average, Floridians spent $1,043 in 2007 for auto insurancewell over $200 more than the average U.S. driver, who paid $795. Of course, don't let these numbers from the National Association of Insurance Commissioners get you down. If you qualify for a low mileage discount (for instance, if you take LeeTran everywhere), you get can your rates down. You can also clean up your driver's record, take a defensive drivers course, and get a student discount.
Comparing Independent Cape Coral Insurance Quotes for Homeowners
The local Independence Day firework celebration is the biggest city event of the year, and patriotic Cape Coral residents do pride themselves on personal freedom. However, to protect your property from the ravages of nature (especially during hurricane season from June to November), you need high-quality insurance. After all, you don't want to be left helpless if your home near the Caloosahatchee River gets washed away during a thunderstorm or hurricane.
At the same time, you are nervous about Florida's notoriously high homeowners' premiums. In 2007, according to the National Association of Insurance Commissioners, FL homeowners paid a whopping $1,534 in premiumsthe highest in the nation. Obviously, the perennial hurricane damage (which can reach into the tens of billions per annum) gives us some explanation for why Cape Coral insurance rates can get so high. To get your rates downso, at the very least, you can have enough to splurge at Oktoberfestconsider paying off your mortgage, opting for higher deductibles, installing a security system and smoke alarms, and "hurricane proofing" your home or condo.
A Sunny Day for Comparing Quotes
According to the National Weather Service, Cape Coral gets 335 days of serious sunshine every year. To keep your outlook on Cape Coral insurance sunny and bright, turn to NetQuote. We can connect you with top U.S. insurers and provide five or more Cape Coral quotes to compare and contrast. Fill out a single questionnaire, and the automated system will dig up quotes for you. With NetQuote, you save time, and you get great data that you can compare immediately.