Shopping for Auto Insurance can often times be confusing and frustrating. Our hands on approach to quoting your insurance allows us to gather the needed information from you one time and from there have the ability to find you a variety of coverage options at a competitive price.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.
Typical Types of coverage
Liability Insurance pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you’ll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
Coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.
Collision Insurance covers damage to your car from an accident. Insuramerica of Florida can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that’s worth only $1,000. But if the car is worth $10,000, you might want this coverage.
Comprehensive Insurance (Other than Collision)
Comprehensive Insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Uninsured Motor Vehicle Insurance:
If you get in a car accident that is not your fault, the other motorist’s insurance is responsible for covering the cost of your car repairs and any medical bills associated with the accident. Unfortunately depending on the state where you live, if the other motorist is not insured, you may become liable for all of the loss unless you have the protection of uninsured motor vehicle insurance.
Our Auto Policy Features
Avoid costly rate increases with Accident Forgiveness. Accident Forgiveness is an auto insurance option that helps you avoid a rate increase on your policy.
Auto Insurance Safety Discounts:
The same features that keep you safe can also save you money. You may qualify for additional auto insurance discounts if your vehicle is equipped with certain safety features. Auto insurance safety discounts reduce your car insurance premium based on the presence of three common safety features:
- Anti-Lock Brake System (ABS)
- Anti-Theft Devices
Safe Driving Discounts:
Typically, drivers who are eligible for our most favorably rated auto insurance companies are free from major traffic violations
Good Student Discount:
Good student discounts are usually extended to unmarried young drivers, who maintain at least a 3.0 Grade Point Average, whether these drivers are in high school or college. Statistics show that student drivers who maintain better grades are less likely to make mistakes behind the wheel, and discounts of 10 to 15 percent are often offered to them. Additionally, being named to the Honor Roll or Dean’s List or placing in the top 20 percent on their class can secure discounts for young drivers as well.
Insure more than one car and you could get a discount on most of your car insurance coverages.
The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance products. Please read your official policy for full details about coverages. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.