Personal Auto

 



Looking for auto insurance in Florida? We can help. Our office has multiple insurance companies to provide you competitive quotes with. If you are looking for personal auto insurance in Florida please feel free to call us today at 1-800-493-1886 or click below on carrier links to get direct quotes online. We look forward to speaking with you about your Florida auto insurance needs.  

Insurance Coverage Explained – The Basics of Automobile Insurance in Florida

In Florida, like most states, all drivers are required to maintain a basic level of automobile insurance. Some drivers mistakenly assume that meeting this legal requirement means they have full coverage. Unfortunately, it is only after an accident that most drivers learn that meeting the Florida legal requirement does not mean having total coverage for all accident-related costs. Even policies labeled “full coverage” are often deceptive, and no plan truly covers every unforeseen event. Which is why you need an agent to assist you in coverage requirements. Automobile insurance coverage in Florida falls into a number of different categories:

      • Collision damages — Many drivers who refer to having “full coverage” are referring to the amount of collision damage coverage. This coverage generally applies to physical damage to the insured’s own vehicle. Truly full collision coverage would include replacement if your vehicle is totaled.

 

 

    • Property damage liability — Property damage liability is a separate matter from collision coverage to your own vehicle. This category of insurance pays for damage that you cause to other people’s property. In Florida, the law requires only $10,000 of property damage liability coverage. This amount if often inadequate to cover the full damage to the other driver’s vehicle. Property damage coverage does not extend to the driver’s own vehicle or property.

 

   

    • Comprehensive coverage — True “full coverage” would also include things like a collision with an animal, damage from a hailstorm, or even damage from a stray shopping cart. These items are often excluded in collision coverage. Coverage for these items is commonly referred to as comprehensive coverage. It is only by carefully reading your policy that you can be sure what it covers. Insurance generally does not cover minor mechanical issues aside from accidents, such as needing a new transmission due to standard wear and tear.

 

   

    • Personal injury protection — Bodily injury is usually covered separately from damage to a car. Florida is one of only twelve states that operate under a no-fault system. This means that the policy holder’s insurance will apply regardless of fault and covers the driver, members of their household, and certain other uninsured passengers for the initial medical expenses and lost earnings and funeral expenses. In Florida, drivers must carry a minimum of $10,000 in personal injury protection. Purchasing extended personal injury protection can cover higher amounts of damage. Personal injury protection generally covers only 80% of your medical bills, and you may be required to undergo an examination by the insurance company’s doctor. This policy element also covers 60% of your lost wages due to the accident.

 

   

    • Additional coverage – Some policies also cover incidental costs such as a rental car. You should carefully review your plan to see what it covers and whether your insurer has preferred providers.

 

    Most policies include a deductible. This is the amount you must pay out of pocket before your insurance will kick in. Generally, the higher the deductible amount, the lower the premium. To discuss your options and obtain a quote click a link below or call us today at 1-800-493-1886.  
Shedding Light On Car Insurance Savings

It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Brown Insurance Inc can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.
  Seven Shopping Strategies For New Car Buyers New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent). Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying array of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach car buying strategically.   So if you’re in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, courtesy of Brown Insurance Inc, in mind: 1. Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between? 2. Research crash tests and accident data available from the Insurance Institute for Highway Safety. 3. Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union or other financier before you even visit the dealership. Being a “cash buyer” gives you an advantage when you do finally meet with the dealership’s financing person. 4. Test drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day. 5. Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal. 6. Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax. 7. Inspect your new car carefully before driving off the lot. Make sure all the options you’ve ordered are included and that the body and paint are free of scratches or dents. Finally, it’s important to consider the cost of auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle’s total cost. Wise car buyers know to shop around for insurance and find out how costs compare. They also know to visit an independent insurance agency – like Brown Insurance Inc. We can check with several companies to find the best combination of coverage and price.  

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