There are many things to consider when buying auto insurance, but what you need to know about Florida is that it has the third-highest premiums in the nation. With so many options available for coverage, how can you make an informed decision?
If we go back as far as we can remember, most of us have always been taught “It’s better to be safe than sorry.” When purchasing auto insurance in Florida. It might seem like a lot of money up front (perhaps more than your annual mortgage payment), but if you ever get into an accident and need coverage, this extra cash could save your life or prevent financial ruin due to hospital bills.
What is the difference between liability and collision coverage?
Liability insurance protects you from financial responsibility for bodily injury or property damage that you cause to someone else. Collision coverage pays for damages to your car caused by a collision with another car, object, or natural disaster. Do I need both types of insurance? Yes. You need at least some amount of liability protection because even if you pay cash for everything, it’s possible that someone will slip on your steps and sue you in civil court. In addition, if an uninsured driver causes an accident with your vehicle – then it doesn’t matter what kind of coverage they have; YOU are liable!
How much does it cost to get auto insurance in Florida?
Many people don’t know that Florida is one of the most expensive states to buy car insurance. With a state-mandated minimum coverage requirement of $10,000 per injury, and $25,000 for property damage in an accident, it’s no wonder why many drivers in Florida are looking to save money on their car insurance premiums.
Do I need a car inspection before buying insurance?
You may not need a car inspection before buying insurance. In order to make sure that you are getting the best deal possible, it is always a good idea to ask your insurance agent what their requirements for inspections are.
Can I get a discount on my auto insurance if I have good credit or take an online defensive driving course?
A lot of people are wondering if they can get a discount on their auto insurance rates just because they have good credit or for taking an online driver safety course. The truth is that most every company has different requirements to meet, so it’s best to call your agent and ask what discounts you may qualify for.
If you would to like to discuss your options for auto insurance please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.