CAR INSURANCE
Considering buying a new car or switching insurance companies? Or do you just need help finding the right coverage to fit your needs? Whatever the case may be, we can help. We’ll compare rates, by obtaining multiple quotes, find the discounts you deserve and help find the best coverage for your needs. We like to save you money on your car insurance! Here's the typical coverage options for your vehicles:
• Bodily Injury Liability• Property Damage Liability
• Personal Injury Protection
• Medical Payments
• Uninsured/Underinsured Motorist
• Comprehensive
• Collision
• Rental car reimbursement
• Emergency Road Service
• Stacking
Car insurance is a crucial aspect of responsible vehicle ownership, offering financial protection against unexpected events on the road. Whether you're a seasoned driver or just getting into your first car, understanding the basics of car insurance is essential. In this article, we'll delve into the key components of car insurance, the factors influencing premiums, and tips for finding the right coverage.
Liability Insurance:Liability insurance covers bodily injury and property damage that you may cause to others in an accident. In Florida, it’s required by law and helps protect your assets if you're at fault in a collision. Liability coverage is broken into three categories. Example: ($100,000 / $300,000 / $100,000) means you have ($100,000 bodily injury liability per person / $300,000 bodily injury per accident / $100,000 property damage liability).
Personal Injury Protection (PIP):PIP covers medical expenses and, in some cases, lost wages and other damages, regardless of who is at fault in an accident. In Florida, $10,000 per person per accident of Personal Injury Protection is required.
Collision Coverage:Collision coverage pays for the repairs to your vehicle in case of an accident, regardless of who is at fault. It's especially important for new or expensive cars.
Comprehensive Coverage:Comprehensive coverage protects your vehicle from non-collision incidents, such as theft, vandalism, natural disasters, like flooding and more.
Uninsured/Underinsured Motorist Coverage: This coverage safeguards you if you're involved in an accident with a driver who doesn't have any insurance or has insufficient coverage.
Rental Car Coverage: Covers the cost of renting a car when yours is not available due to an insurance related claim.
Roadside Assistance: Pays for costs like towing, receiving help on the side of the road or in a parking lot.
Factors Influencing Premiums:
1. Driving Record:
A clean driving record typically results in lower premiums, as it indicates a lower risk of accidents.
2. Vehicle Type:
The make, model, and year of your car influence insurance costs. High-performance or luxury vehicles often have higher premiums.
Higher coverage limits mean greater protection but also results in higher premiums. Finding the right balance for your particular needs and budget is key.
4. Deductible Amount:
The deductible is the amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium but it means more cost to you in the event of a claim.
5. Location:
Where you live affects insurance rates. Urban areas with higher traffic and crime rates tend to have higher premiums.
Some Additional Information:
Some drivers have difficulty getting insured for various reasons. If that's you, we also have access to FAJUA, the Florida Automobile Joint Underwriters Association, in which just about anybody with a valid drivers license is eligible. If you ever need to lookup your driver's license, you can do that at the following link: https://services.flhsmv.gov/DLCheck/
We also offer insurance for classic cars through quality carriers like Hagerty and Grundy. Adam is a "car guy", so you may run into him at a car show. See our gallery of some our favorite family & customers' cars.
Please fill out the form to the right to get your free auto quotes from multiple companies. Connections to and from the Web Entry Form are encrypted with the HTTPS protocol so that they cannot be spied upon. During storage, customer SSNs, VINs, and other sensitive data is secured using asymmetric cryptography. For added security, older records are periodically deleted.
Conclusion:
Car insurance is more than just a legal requirement; it's a vital tool for protecting yourself and your assets. By understanding the various types of coverage, the factors influencing premiums and employing smart strategies to find the right policy, you can navigate the world of car insurance with confidence. Remember, responsible driving and informed insurance choices go hand in hand for a secure and worry-free driving experience.
