Auto Insurance
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Auto Insurance Information
Auto Insurance in Florida
Protect Yourself On The Worst Day And The Best
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What is Auto Insurance?
Auto insurance is a contract between you and an insurance company to help cover the costs of accidents, theft, or other incidents involving your vehicle. Your policy will outline specific protections for bodily injury, property damage, medical payments, and more, ensuring you’re prepared for the unexpected.
Whether you're in a minor fender bender or a more serious accident, auto insurance can be your financial safeguard.
Make sure you understand what these terms mean and how much coverage is right for you.
- Standard and Preferred auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
- Recreational vehicles / Boats
Florida Requirements For Auto Insurance
The state of Florida requires drivers to have at least minimum coverage, including Personal Injury Protection (PIP) and Property Damage Liability (PDL), which can shield you from significant out-of-pocket expenses if an accident occurs.
These are minimums and should not be treated as any kind of standard. State minimums will almost never cover the entire cost of an accident of any kind. Some drivers try to limit their coverage to these minimums to save on their premiums and then end up costing themselves hundreds of thousands of dollars on legal, medical, and other expenses related to an accident.
Comprehensive car insurance, collision coverage, and higher liability limits can help safeguard you when costs exceed the minimum coverage—which is more likely than not, providing peace of mind on Florida's busy roads.
Pritchard’s & Associates, The People Who Protect You
Understanding auto—heck—most insurance can be overwhelming, but we’re here to help you protect what matters most.
Our experienced team understands the unique needs of Florida drivers and is committed to finding the absolute best coverage for you, your family, and your budget. With us, you’re not just a policyholder; you’re part of our community.
At Pritchards & Associates, we’re more than just an insurance agency—we’re people who care about your safety, security, and peace of mind.
Protect Yourself On The Worst Day And The Best
Like most policies, auto insurance is simply about ensuring you are covered on the beautiful weather windows down type of days and the life-shattering ones. Tragedy doesn’t discriminate, but it likes to overstay its welcome.
A quality, customized auto insurance policy is more than meeting minimum requirements; it’s about ensuring you’re protected on your best, worst days, and everything in between.
With a tailored policy, you can enjoy the peace of mind that comes with knowing you’re covered for more than just basic accidents. It means having coverage that fits
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Your budget
- Your unique driving habits
- Your lifestyle
No matter where you are in Florida, our agents are ready and waiting to help you find the right policy for you.
Protect Yourself On The Worst Day And The Best
It’s a good idea to re-shop your auto insurance policy regularly to ensure you're still getting the best value and coverage for your needs.
Major life changes like these can significantly impact your rates and coverage needs.
- Buying a new vehicle
- Moving
- Getting married
- Adding a teen driver to your policy
Additionally, if it’s been a few years since you last reviewed your policy, you may find that rates have shifted or new discounts are available that can lower your premium. Even improving your credit score or maintaining a good driving record can lead to better rates over time.
By re-shopping your policy, you can keep your coverage aligned with your current life, possibly save money, and avoid missing out on options that better protect you and your loved ones.
NOTE: There is such a thing as too much re-shopping.
Why Not Get Cheap Auto Insurance?
Cheap auto insurance is appealing but not as simple as you think.
Cheap generally means lesser value, and when it comes to insurance, that means less coverage. For example, in Florida, auto insurance is regulated by having required minimums, such as:
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$10,000 for personal injury protection (PIP)
- $10,000 for property damage liability (PDL)
Low-cost policies often come with minimal coverage, but that rarely protects you if you’re involved in an accident or need repairs. When coverage limits are too low, you could pay significant out-of-pocket expenses for medical bills, property damage, or legal fees—costs that a more comprehensive policy would cover.
Additionally, cheap policies may lack benefits like roadside assistance, rental car coverage, or uninsured motorist protection, leaving you vulnerable in critical moments. While a lower premium may seem appealing, skimping on coverage can ultimately put you in a tough financial and legal situation, leaving you unprotected when you need it most.
How Auto Insurance Works, What Do You Need To Know?
There are a lot of things that can impact your car insurance rates.
- Marital status
- Location/where you live
- Vehicle type
- Car make and model
- Traffic violations
- Driving experience, history, & record
- Gender and age
- Insurance and claims history
- Vehicle use
- Possible discounts
- Occupation
Safety features
Coverage Options
Collision and comprehensive coverages - Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage - Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.
Medical Payments coverage - This pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection - Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage - This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional coverage - Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Frequently Asked Questions About Auto Insurance
What is auto insurance?
Auto insurance is a type of policy that covers events, accidents, and any other expected events on the road. In the state of Florida, you are required to carry minimums of Personal Injury Protection (PIP) and Property Damage Liability (PDL).
Can P&A write auto policies for anyone in Florida?
Absolutely!
How much is auto insurance on average?
The average cost of auto insurance in Florida is $3,795 per year for full coverage and $1,605 per year for minimum coverage.
How much auto insurance do I need?
While your exact type of coverage will need to be tailored to factors like your vehicle’s value, your financial situation, and how much risk you’re comfortable assuming, we generally recommend that your coverage includes:
Our team can help you assess the right amount for your unique situation—because it is indeed exceptional.
What is comprehensive auto insurance?
Comprehensive auto insurance is like a safety net for your car, covering damage that isn’t caused by a collision. Think things like theft, vandalism, natural disasters, falling objects, or even hitting a deer. It's optional but a good idea if you want extra protection for non-collision mishaps.
How much auto insurance do I need?
This depends on your situation. Most states require a minimum level of liability coverage, but that’s often not enough to fully protect you in a major accident. A good rule of thumb is to consider your assets—like your savings, home, or other valuable possessions—and make sure your liability coverage is high enough to protect them. If you have a loan or lease on your car, your lender might also require collision and comprehensive coverage.
How do I decrease my auto insurance premium?
There are several ways to save:
- Increase your deductible: A higher deductible means lower premiums, but you’ll pay more out-of-pocket if you file a claim.
- Bundle policies: Combine auto and home insurance with the same provider for discounts.
- Drive safely: A clean driving record can earn you lower rates.
- Use discounts: Many insurers offer discounts for things like being a good student, installing anti-theft devices, or taking defensive driving courses.
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Shop around: Compare quotes from different insurers to find the best rate.
Should I get higher auto liability or umbrella insurance?
It depends on your risk exposure. If your assets exceed the limits of your auto liability policy, an umbrella policy might be a smarter choice. Umbrella insurance provides extra liability protection that kicks in when your auto (or home) insurance limits are maxed out. If your assets are relatively modest, increasing your auto liability coverage might be sufficient.
Does auto insurance cover rental cars?
Yes, but it depends on your policy. If you have comprehensive and collision coverage on your car, it often extends to rental cars. Liability coverage usually transfers too. However, check your policy or ask your agent to confirm. If you're unsure, rental car companies also offer their own insurance, though it can be pricey.
Why is my auto insurance so high?
A few factors could be driving up your rates:
- Your driving record: Accidents or traffic violations can hike premiums.
- Location: Living in areas with high theft or accident rates increases costs.
- Your car: Expensive, high-performance, or commonly stolen vehicles cost more to insure.
- Coverage levels: Comprehensive policies or low deductibles come with higher premiums.
- Credit score: In some states, insurers factor in credit scores when setting rates.
- Demographics: Age, gender, and marital status can all play a role in your rates.
If your rates seem too high, it’s worth getting quotes from other insurers or asking your provider if they offer discounts.
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