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Cheap Car Insurance in Clearwater, Florida

Find reliable and cheap car insurance in Clearwater, a coastal city in Florida’s Tampa Bay area. For those who don’t live here, Clearwater is probably best known for the Clearwater Marine Aquarium where injured dolphins and sea turtles are rehabilitated. Two of those dolphins, Winter and Hope, were the real life stars of the “Dolphin Tale” films. Baseball fans may know Clearwater for Spectrum Field, the spring training facility for the Philadelphia Phillies. The city’s “Beach Walk” is a winding path along Clearwater Beach lined with public art, hotels, restaurants, bars and entertainment venues. An estimated 114,361 residents lived in Clearwater as of 2016.

Driving Conditions in Clearwater

U.S. Route 19 traveling north-south is Clearwater’s most congested corridor, with some sections seeing as many as 100,000 vehicles per day. Route 19 intersects with State Route 60, the city’s major east-west thoroughfare, near the Clearwater Mall. Route 60, also known as “Gulf to Bay Boulevard,” takes drivers all the way to Clearwater Beach. Running parallel just north of Route 60 is Cleveland Street, one of the city’s historic roads. The average commute time for Clearwater is about 22 minutes, four minutes shorter than the U.S. average. According to U.S. Census data, just over 75 percent of workers in Clearwater drive to work alone. For updates on construction, delays and travel information, access fl511.com.

Unique Laws in Clearwater

Clearwater is located in Pinellas County, which in 2017 passed an ordinance permitting restaurants to begin selling alcohol at 8 a.m. on Sundays. Sales were once restricted to 11 a.m., but the state-enabled “brunch bill” allows local governments to remove that restriction.

Unless you’re in a funeral procession, Florida bans using hazard lights while the vehicle is moving. Florida also is among a small handful of states where you can be ticketed for driving too slow. The state’s “Move Over Law” requires drivers to move to the left lane when passing emergency vehicles or police that are stopped on the side of the roadway.

Meanwhile, some odd laws still on the books proclaim it illegal to drive over graves or park within intersections. A state law prohibiting unmarried couples living together was repealed in 2015.

Clearwater Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 shows there were 636 violent crimes reported in Clearwater that year, five of which were murder or manslaughter. The local violent crime rate of 558 offenses per 100,000 residents is above the national average of 386 offenses per 100,000 in the U.S.

The property crime rate in Clearwater was 3,296 offenses per 100,000 residents, also above the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 232 vehicles were stolen in 2016, FBI data shows, a rate of 203 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Clearwater Safety Requirements

Drivers and front-seat passengers, as well as all passengers under age 18 must wear seat belts, the Florida Department of Motor Vehicles mandates. Children 3 and under must ride in a federally approved child-restraint, and 4 and 5-year-olds must be “secured by either a federally approved child restraint seat or safety belt,” the department states. Florida in 2014 made texting while driving a secondary offense, meaning you can receive driver’s license “points” for doing so, provided you are stopped for another traffic offense.

Clearwater Impaired Driving Laws

Florida’s DUI laws are considered fairly strict. As in most other states, drivers over age 21 with a blood alcohol level of .08 will be charged with driving under the influence. First offenders receive a fine, 50 hours of community service, a year probation, up to 6 months imprisonment and a minimum license revocation of 180 days. A 12-hour DUI school is also required. Minors under age 21 can be charged with DUI with a .02 blood alcohol level, or BAL, as it is known in Florida. If this happens, they lose their license for 6 months. No matter what your circumstances, we can help you find cheap car insurance in Clearwater; contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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