When calculating the amount of coverage you need, there are certain minimum requirements that cover liability and injury. With the high cost of cars and medical care, the minimum amount may not be enough coverage. Also, you will have a choice in the amount of deductible you want to pay. If you decide to have a small deductible, your premium will be higher. If you decide to have a large deductible, your rate will be less but you will have to pay more out of your pocket in the event of an accident. Cheap Auto Insurance in Florida