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414 26th St W
Bradenton, FL, 34205
United State


Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.


7 Must-Know Auto Insurance Terms

Matthew Smith

Apart from protecting vehicle owners from financial losses arising from road accidents, auto insurance is mandatory in several states, including Florida. The state of Florida requires owners and drivers of four-wheeled (or more) to maintain auto insurance. This means individuals must show proof of auto insurance for getting their vehicles.

Auto Insurance

As mentioned above, auto insurance is designed to offer financial protection to drivers and vehicle owners in the event of an accident, theft, and many other unfortunate events.

Considering the gloomy statistics on motor vehicle deaths across the country, it’s absolutely crucial that every vehicle owner gets an auto insurance plan.

Having a comprehensive auto insurance coverage will cover vehicle damage and medical costs arising from an accident or any other disaster. The insurance coverage differs among auto insurance companies. The golden rule is to find a coverage that suits your needs. In addition, auto insurance policies are typically issued for 6 months or one year. Most policies are renewable.

Auto Insurance Glossary For Beginners

If you are buying auto insurance for the first time, you may get confused by all the jargon. Not everyone knows the meaning of ‘coverage’ and other terms.

Understanding the lingo is crucial for buyers of auto insurance. By knowing auto insurance terms, you will be able to choose the right insurance policy. The following is a list of common auto insurance terms:

Comprehensive coverage: Comprehensive insurance offers coverage for damages due to a natural disaster (hail, flood, etc.), theft, explosions, etc. Apart from an accident and collision, a comprehensive insurance plan provides financial protection for several other unexpected events that can damage your vehicle.

Covered loss: Covered losses are stated in auto insurance policies. They are damages to a vehicle, vehicle owner, property or other people that are covered by an auto insurance company.

When buying auto insurance, check if the policy will cover the losses you require.

Premium: Premium is the cost of insurance. It’s the amount of money auto insurance holders pay every month, quarter or year to maintain the insurance. Failure to pay premiums may lead to cancellation of auto insurance.

Policy period: Just like other insurance policies, auto insurance is valid for a specific time period. Your auto insurance policy will expire after some time. Check the policy period carefully when getting insurance. 

Claim: Auto insurance claim is the request you will make to your insurance company to recover losses.

Deductible: Before receiving any payment from your auto insurance company in the event of a loss, you will pay a certain amount. This amount is known as deductible.

Liability insurance: Liability insurance covers injuries to the other people and damages to other vehicles in the event of an accident.

For getting comprehensive auto insurance in Bradenton, FL, get in touch with us.