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Florida Auto Insurance COVERAGE DESIGNED WITH YOU IN MIND

 

Finding the right car insurance for you means staying up to date on Florida requirements. The table below lists the coverages and minimum coverage limits that are required in Florida. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection. 

Contact us at The Roe Agency (239) 593-7333 to better understand the different types of coverage in your area.

Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
           
Not required            
Property Damage Liability
Helps cover expenses related to the damage of another person's property —
           
like vehicles, homes, buildings and other structures — when an accident is your fault.
           
$10,000 limit            
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
           
Not required            
Underinsured Motorist
Helps cover your medical expenses if you're in an accident,
           
the other driver is at fault and doesn't have enough liability insurance.
           
Grouped with uninsured motorist coverage
           
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
           
$10,000 limit            
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
           
Not required2            
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
           
Not required2            
             
             

 

 

 

 

 

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Florida Auto Insurance COVERAGE DESIGNED WITH YOU IN MIND

 

Finding the right car insurance for you means staying up to date on Florida requirements. The table below lists the coverages and minimum coverage limits that are required in Florida. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection. 

Contact us at The Roe Agency (239) 593-7333 to better understand the different types of coverage in your area.

Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
           
Not required            
Property Damage Liability
Helps cover expenses related to the damage of another person's property —
           
like vehicles, homes, buildings and other structures — when an accident is your fault.
           
$10,000 limit            
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
           
Not required            
Underinsured Motorist
Helps cover your medical expenses if you're in an accident,
           
the other driver is at fault and doesn't have enough liability insurance.
           
Grouped with uninsured motorist coverage
           
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
           
$10,000 limit            
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
           
Not required2            
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
           
Not required2            
             
             

 

 

 

 

 

 

 

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3 Keys To Comparing Car Insurance Rates

 

 

3 keys to comparing car insurance quotes

 

Whether you just bought a new car or you're simply doing an annual review of your finances, comparing car insurance rates can be a good way to assess whether you're getting the most for your money.

To start, the Insurance Information Institute (III) suggests getting at least three quotes from auto insurance providers. Each quote you get should be for the same set of coverages, limits and deductibles, so you can truly compare them side by side.

Not sure where to begin? Here's some more information on setting up an auto insurance comparison.

1. SELECT APPROPRIATE LIABILITY LIMITS.

Auto liability coverage is required in most states. Liability coverage may help pay for car repair and medical bills of another driver if you cause an accident.

Most states set minimum liability coverage limits that drivers must purchase. You may have the option of increasing your auto liability limits — and the III suggests that's a good idea. If you cause an accident and the damage exceeds your state's minimum liability coverage limits, you could end up paying out of pocket for additional expenses.

Whether you select the state minimums or increase your coverage, make sure the limits you set for bodily injury liability coverage and property damage liability coverage are the same for every quote you compare. Bodily injury liability coverage helps cover expenses of another person's physical injury if you are found liable in an accident. Property damage liability coverage helps pay for damages you may cause to another person's property.

2. SET SIMILAR DEDUCTIBLES.

Some car insurance coverages, such as collision coverage and comprehensive coverage, typically come with a deductible that you may be able to adjust. A deductible is the amount you'll pay out of pocket toward a covered claim. Increasing your deductible may lower your car insurance premiums, says the III. However, a higher deductible means you'll pay more out of pocket before your insurance coverage kicks in after a covered loss.

When you are comparing car insurance rates, the deductibles you choose should be the same for each quote so you can make an accurate comparison.

3. CHOOSE THE SAME COVERAGES.

While liability coverage is required in most states, other coverage requirements vary from state to state. Some coverages may even be optional. You may want to familiarize yourself with your state's specific car insurance requirements. To accurately compare car insurances rates, make sure you've selected the same set of required and optional coverages for each quote you get.

Required:

Liability coverage:

  • May help pay for another person's property damage or medical bills if you cause an accident.

Required in some states:

  • Uninsured and underinsured motorist coverage:
    May help protect you against damages caused by a driver without insurance or not enough insurance.

  • Medical payments coverage:
    May help pay for medical expenses if you or your passengers are injured in a car accident.

  • Personal injury protection (not available in all states):
    May help pay for hospital bills, lost income and even child-care services if you're injured in a car accident.

Typically optional:

  • Comprehensive coverage:
    May help pay for damage to your car not caused by a collision. Coverage may include theft, vandalism or damaged caused by animals. If you're leasing or paying off your car, your lender may require you to have comprehensive coverage.

  • Collision coverage:
    May help pay to repair your car if it's been damaged or destroyed in a collision with another vehicle or object such as a fence. If you're leasing or paying off your car, your lender may require you to have collision coverage.

  • Rental reimbursement coverage:
    May help pay for a rental car while your car is being repaired after a covered loss.

  • Towing and labor cost coverage:
    May help cover services if your car breaks down. Coverage may include jump starts, fixing flat tires or towing.

If you need help understanding your car insurance quote or deciding on which coverages best suit your needs, give us a call at (239) 593-7333.

https://www.allstate.com/tr.aspx

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Save Money on your Auto Insurance with These Discounts!



 

 

One of the obvious suggestions to lower your car insurance is to shop around for the best rate but be aware that a lot of companies will give you a lower rate but will leave out important coverage in order to get you to that price. Make sure before you purchase your new car insurance that you have the coverage that you need. With our insurance, we give you the best coverage as well as opportunities to keep your insurance at the cheapest rate possible.

No one wants to spend more on their car insurance than they have to. Here are discounts that we offer to ensure that you get not only the cheapest rate possible but the right coverage to protect you on the road.        

    florida car insurance

    

DISCOUNTS With The Roe Agency

    

Vehicle Discounts:

Anti-lock brake discount

Save up to 10% if your car is equipped with anti-lock brakes

 

Anti-theft device discount

Save up to 10% if there's an anti-theft device in your car

 

New car discount

Save up to 15% if your car is a current model year or one year prior and you're the first owner.

 

Policy Discounts

The way you pay, add or manage your insurance policies can help you save on your premiums.

EZ pay plan discount

Save up to 5% when you set up automatic withdrawal for paying your premium

 

eSmart® discount

Save up to 10% if you sign up for ePolicy, a convenient way to view insurance documents online

 

FullPay® discount

Save up to 10% when you pay your policy in full

 

Multiple policy discount

Save on your auto insurance when you have multiple policies from Allstate

 

Early Signing Discount®

Save up to 10% when you sign your policy 7 days before it becomes effective

 

Responsible payer discount

Save up to 5% if you did not receive a cancellation notice for non-payment in the past year

 

Smart student discount

Save up to 35% if you meet one of these requirements:

  • 1. You're a single, full-time student under the age of 25 and getting good grades

  • 2. Your teen successfully completes the teenSMART driver education program

  • 3. Your child attends school at least 100 miles away from where your car is garaged

Safe Driving Club

 

Save big if you meet the safe driving requirements to make it into the club.

 

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