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Cheap Car Insurance in Palm Bay, Florida

Locate cheap car insurance in Palm Bay, a city of about 110,000 in Brevard County, Florida. About mid-way between Miami and Jacksonville on Florida’s east coast, Palm Bay is the second largest city in Central Florida. Major employers include Harris Corp., Intersil and Palm Bay Hospital. The northwest part of the city is its most populated, while the southwest is the most rural. The parks system includes a paintball park, skateboarding park, aquatic center and the Turkey Creek Sanctuary, a 130-acre reserve popular for cycling, hiking and kayaking.

Driving Conditions in Palm Bay

Palm Bay lies on Interstate 95, about halfway between West Palm Beach 113 miles south and Daytona Beach, which is 95 miles north. Orlando is just over an hour’s drive to the northwest. U.S. Route 1 runs along the coast and intersects with Palm Bay Road, Port Malabar Blvd and Conlan Blvd. Within the city, Palm Bay Road NE, South Babcock Street and Malabar Road SE are among its main commercial corridors.

The city has seen more than its share of road problems. In 2013, the public works department reported most of the roads in the southern part of the city are “failed roads” in need of costly reconstruction. The average commute time for Palm Bay is about 25 minutes, about a minute shorter than the U.S. average. For updates on construction, delays and travel information, access

Unique Laws in Palm Bay

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 A state law prohibiting unmarried couples living together was repealed in 2015.

Palm Bay Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 states there were 516 violent crimes in Palm Bay, four of which were murder or non-negligent manslaughter. The local violent crime rate of 474 offenses per 100,000 residents is above the national average rate of 386 offenses per 100,000 people.

The property crime rate in Palm Bay the same year was 1,691 offenses per 100,000 residents, below the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 135 vehicles were stolen in 2016, FBI data shows, a rate of 124 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Palm Bay safety requirements

Drivers and front-seat passengers, as well as anyone under 18, must wear seat belts when driving in the Sunshine State, 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 if you are stopped for another traffic offense. Talking on a hand held phone is still legal, but you can be ticketed if cellphone use results in an accident or traffic offense.

Palm Bay 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 Palm Bay, Fla.; 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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