Buying a Car? Here Is Everything You Need To Know About Auto Insurance

Are you in the market for car insurance?

Do you know how much coverage you need?

What you’ll need to pay for it?

What’s this lingo your insurance agent’s throwing at you?

Buying an insurance policy isn’t difficult at all. However, it is important that you understand your requirements for the right coverage. This information could save you a lot of money in the long run. Here’s what you need to know:

Florida Law Requires It

If you are a car owner and driver in Florida, you are required to carry liability insurance. If found driving without one, you might have to give up your driving privileges.

It is a major potential risk and liability, and is considered breaking the law.

Liability insurance is important. As a no-fault insurance state, Florida encourages locals to get insurance for everything possible. This is why you might also be tempted to get personal injury protection and residual bodily injury liability coverage along with you auto insurance. And that’s a great idea.

In case of an accident, these policies can pay you and other passengers in your car. In addition, you also stay protected in case someone else got into accident while driving your car.

Get Insurance Coverage for Your Vehicle

You absolutely have to get the liability insurance, even if you decide to forego all the other add-ons mentioned earlier.

Your auto insurance should also include collision coverage that pays you to cover damages caused if you collide with things other than a car, for example trees, poles, road signs etc.

If you are worried about vandalism, theft or damages caused by bad weather, you will require more comprehensive coverage.

Uninsured Motorist Coverage

There is no denying the fact that there are plenty of uninsured motorists on the streets across Florida every day. What would happen if you get into an accident with one of them?

Is your current car insurance policy covering this incident?

It might be a good idea to buy uninsured motorist coverage. This can help by protecting you from any liability in case of an accident with an uninsured driver.

The Last Word

If you’d like more in-depth information on auto insurance in Florida, we are here to help you. You can count on Manatee Insurance to provide you with quotes from leading auto insurance providers. We have access to leading carriers serving needs for auto insurance Brandenton FL and surrounding areas like Sarasota. Call us today to make sure you and your car are well-protected.


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