Automobile Insurance

 

Personal Automobile Insurance Policy

Our agency is committed to saving Florida automobile policyholders. Our many auto insurance companies are dedicated to offering substantial savings to our Florida personal automobile policyholders.Policyholders insuring both their home and auto with our agency can save up to 20% off their home and automobile insurance premiums! Keep posted for more information.

Discounts Available *
  • New customer
  • Multi-vehicle discounts
  • Military Away discount (for drivers deployed on Duty more than 100 miles from where vehicle is garaged)
  • Good student (Full time students with less than 6 years experience, and maintain a “B” or higher Average)
  • Student Away At school – more than 100 miles from where vehicle is garaged.
  • Anti-Theft Discounts (discount off comprehensive coverage part)
  • Hybrid and Electric Auto discounts
  • Advanced Driver training
  • Driver Simulator and on-line training
  • Renewal credits
  • Excellent Driver
  • Pay your premium in full
  • Renew and save

Coverage options *
  • Disappearing Collision & Limited collision Deductible
  • Rental Vehicle loss of Income coverage
  • Lock in Value – New car replacement (Guaranteed replacement cost)
  • Personal Effects coverage
  • Extended Substitute Transportation
  • Emergency Road Travel Expenses
  • Supplemental Towing & Labor
  • Airbag Coverage
  • Accident Forgiveness

*Some Discounts/Coverage options are company specific.  Contact us for a custom policy tailored to your specific needs.

Personal Automobile basics

There are two major automobile exposures for which individuals seek protection under the Florida Automobile Policy. 1. People want to be protected against their liability (legal responsibility) should they physically injure someone, Bodily Injury or damage someone else’s property, Property Damage, through the use of their automobile. The FL Auto Policy provides protection for these types of losses. These coverage’s are referred to as liability coverage or third party coverages since they provide insurance for the benefit of a third party as a result of the insured’s negligent actions in the auto accident. 2. People also want to make sure they are protected regardless of who is at fault if they, their household members or their passengers are injured in an accident and if their own auto is damaged in an accident or sustains damage in a fire, theft, etc. The FL Auto Policy provides protection for these types of losses. These coverages are called first party coverages since they provide insurance for the direct benefit of the insured. Personal Injury Protection and Medical Payments provide protection to the insured, household members and passengers for their medical expenses or lost wages due to injuries. There are five coverages available to cover damages or loss to the insured’s vehicle referred to as physical damage coverages. These five coverages are shown below:

  • Collision
  • Limited Collision
  • Comprehensive
  • Substitute Transportation
  • Towing and Labor – Why join an expensive motor club?

There are also two first party coverages that provide the insured with protection for injuries sustained as the result of an accident caused by an uninsured or underinsured auto. Both of these coverages are dependent on the “other auto” being legally responsible for the accident. Contact us today to learn how we can save you money on your automobile insurance! 727-785-9100