Personal Auto Insurance

Car Insurance is one of the necessary evils of modern life.

In Florida, as in most states, auto insurance is required by law. With insurance companies spending more than $4 Billion a year in advertising to grab your attention, it is important we take an indepth look on the details of Auto Insurance.

So, how to buy Auto Insurance? 

First thing you need to take into account is to get the right coverage that will protect you in case of an accident.  Insurance companies use statistics to calculate rates. The main factors that will determine your car insurance rate are:

  • Your Age
  • Marital Status
  • Location
  • Insured History (driving record)
  • Type of vehicle.
  • Credit Rating

A simple way to get a free quote is our website were you can easily fill out your own Auto Insurance Application. This will let you see in detail the coverage plans and discounts you are getting.

A complete auto coverage should have:

BI-PD (Body Injury and Property Damage): Limits need to be equal or higher than the minimum financial responsibility limits.

UM (Uninsured Motorist coverage): This coverage applies to you, your resident relatives and passengers in your covered vehicle. It only applies if it is determined that the other driver is at-fault and has insufficient or no liability coverage.

PIP (Personal Injury Protection coverage): This is also known as No-Fault coverage, it provides coverage whether or not the Insured caused an accident. Not only does it cover you, your kids or relatives living in your home while in your car, it also protects you while a pedestrian or bicyclist.

COMP (Comprehensive coverage): This covers losses to the insured vehicle for reasons other than collision. This includes, fire, vandalism, wind, hail, breakage of glass, or impact with an animal.

COLL (Collision coverage): This will protect you on the event of a collision covering your cars damage. This may be purchased with deductibles from $100 and up.

Other Auto insurance options available are:

Rental Reimbursement if you need to rent a car while a claim is in process. – Roadside Assistance. – Custom parts or Equipment

We will expand on each coverage, there limits and benefits in future posts.







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