Auto Insurance

Your Comprehensive Guide to Auto Insurance

Auto insurance coverage isn’t optional in the state of Florida, but your personal car insurance policy is there to protect your financial assets and your vehicle. Accidents can happen anytime, and you don’t want to add financial worries to the stress. We’ll help you tailor your auto insurance policy to your situation to make sure you have the coverage you need at the best possible price.

Auto Insurance Requirements in Florida

You probably know that auto insurance is legally required in the state of Florida. At the very least, you must have minimum liability coverage, including $10,000 of personal injury protection and property damage liability. If you cancel your insurance, the authorities can suspend your license and registration for up to 3 years. To avoid suspension and costly reinstatement fees, we recommend not letting your auto insurance policy lapse.

The legal minimum only covers property damage and bodily injury of others if you cause an accident. However, if the damages exceed the minimum limit, you’re still responsible for paying the difference. Increasing your liability limits protects your financial assets in case of an at-fault accident. Your auto insurance should also include uninsured motorist coverage to protect yourself if someone without insurance collides with your vehicle.

Comprehensive & Collision Insurance

The major portion of your car insurance policy includes comprehensive and collision insurance. Collision insurance covers the repair or replacement of your vehicle if you cause an accident involving another vehicle or stationary object. Comprehensive insurance can cover theft, vandalism, or falling tree branches that damage your car. 

You can adjust your deductible for comprehensive and collision insurance to adjust the cost of the policy. The higher your deductible is, the lower your premiums will be. Your comprehensive and collision coverage will pay for repairs up to the value of your vehicle. Even if your car is only worth a few thousand dollars, you’d still be out that amount if the vehicle is totaled as the result of a crash.

Additional Coverage Options You Might Need

Your auto insurance policy can also include additional coverage option for your peace of mind, such as:

  • Roadside assistance
  • Rental car coverage
  • Uninsured motorist coverage
  • Medical payments

If you need your vehicle for commuting to work or school, having rental car coverage is helpful while the car is in the shop for repairs. If an uninsured motorist causes a collision with you, your uninsured motorist coverage will pay for the cost of the repairs.

If you use your vehicle for business, you may need a business or commercial policy. Commuting to the office or to wok is usually covered under your personal auto insurance, but if you regularly drive to client meetings or make deliveries with your vehicle, your personal auto insurance will not protect you in a crash.

FAQs about Auto Insurance

What Are the Requirements to Get Auto Insurance?
To get auto insurance, our insurance specialist will collect information from you, such as your full name, address, date of birth, driver’s license number, Social Security number, and information about the vehicle you want to insure. Call us today for a free quote for your auto policy.

Why Should I Have Comprehensive or Collision Coverage on an Old Vehicle?
Even if your older vehicle isn’t worth as much as a newer car, even a minor accident can easily cause thousands of dollars’ worth of damage. Without comprehensive or collision insurance, you have to pay the repair costs out of pocket. And if your car is totaled because of the accident, your insurance would pay you what it was worth before, which can help you with the down payment for a replacement vehicle.

What Limits Should I Have for My Car Insurance?
You’re in control of your coverage limits for your car insurance. The limits for liability coverage are probably the most important. If you have significant financial assets, you may want to increase your liability coverage or use an umbrella liability policy for extra protection. Our insurance agents can recommend coverage limits for you.

Call Us Today for a Car insurance Quote

We can customize your auto insurance policy to fit your specific needs by searching a wide range of carriers for the best option. Whether you want minimum coverage or all the bells and whistles, we can help you find car insurance that fits your needs. Call our agents today to get your free quote. 

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