You need auto insurance now! Contact Dennis Insurance Agency to learn how to save BIG on your next Florida auto policy.
What is Auto Insurance and Why Do I Need It? Auto insurance is mandatory in almost all 50 states. Car insurance is indemnity coverage for cars, trucks, and other motor vehicles in the event that your automobile is involved in a traffic accident with another vehicle, a pedestrian, or a piece of property. If you own or lease a car, an auto policy will help pay the many expenses involved in repairing the vehicles involved as well as liability costs incurred. Without auto insurance, you are likely to fall into financial ruin if you are to cause a serious accident. In our current day, when lawsuits are common and judgments are huge, driving without auto coverage is not smart. And in most places, it is illegal.
How Much Coverage Should I buy?
If you’re like most people, your first inclination into an auto insurance purchase is to buy the least amount of coverage necessary and required by the state you live in. Especially during a receding economy, comprehensive auto coverage may not be the first thing on your priorities list. But going with the bare minimum coverage could get you into trouble if you are in an accident that requires full coverage and your policy (and your assets) do not cover the costs.
So if you ask yourself how much coverage you need, it is important to start with your states minimum coverage – but for safety and peace of mind – don’t stop there.
Liability Coverage – If you are legally responsible to pay for damages that you are responsible for, chances are you will need more coverage than your states minimum requirements. Liability coverage will cover you if you cause bodily injury or property damage as the result of an accident. Bodily injury liability will cover the costs of medical bills and lost wages. Property damage liability will pay for or replace property that you damage or destroy including cars, street signs, fences, landscapes, etc.
Comprehensive Coverage – Comprehensive auto coverage will help repay the expenses that come from an accident that does not involve a collision with another vehicle. Comprehensive is another policy that is not required in all states but is suggested for many car owners and lessees. If your vehicle is stolen or vandalized, comprehensive coverage will help with the costs involved. Other incidents that would be included under a comprehensive auto plan are falling objects, fire, storms, flooding, hurricane damage, and other natural disasters.
Collision Coverage – Collision coverage is a very important aspect to your auto insurance policy as it will cover the damages incurred by an accident to your vehicle. For example, if you cause an accident and total your vehicle as well as the other car(s) involved, collision coverage will pay for your vehicle only. Since collision coverage is not a mandated policy in all states, many folks opt out of collision coverage to avoid extra premium costs. Choosing to not purchase collision may be a wise idea for you if your car is not worth much money. If you’re driving an old jalopy of little value, collision coverage probably isn’t for you. However, if you have a new car or you are leasing a vehicle, collision coverage will protect your valuable asset. The amount of coverage you need on your vehicle will depend on how much your car is worth. Premiums are much higher for vehicles that are expensive, accident-prone, easily damaged, frequently stolen or hard to repair.
Dennis Insurance Agency has agents dedicated to providing you with auto insurance that will cover you from loss. Trust us to help you with all your insurance needs.
Question: Why does the Get a Free Quote form ask for my email address?
Answer: Your email address allows our agent to respond quickly and specifically to your inquiry. We consider each policyholder as a unique customer, and we want to respond as quickly as possible. We take your inquiry very seriously. As we said, we offer top-notch service, and your email address allows us to respond quickly with important summary information regarding fulfilling your insurance needs.
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Combine your auto coverage with Homeowners Insurance and save up to 30%.