Florida Auto Insurance
Independent insurance agency in Cocoa Beach serving the auto insurance needs of Merritt Island, Satellite Beach, Cocoa Beach, and all of Brevard County, Florida
Choosing the right auto insurance policy in Florida is the best way to help get you back on the road quickly if your car is damaged or destroyed by a covered event.
As an independent agency, Space Coast Insurance Advisors, Inc. in Cocoa Beach, Florida can help you shop amoung the top insurance carriers in the country and find the perfect auto insurance policy for you. Request a free quote or call us at 321-784-2300.
About Auto Insurance in Florida
Auto insurance is basically a contract between you and an insurance provider. You agree to pay a premium, and, in return, the insurance provider agrees to cover the cost for specific car-related financial losses throughout the term of the policy.
Florida Auto Insurance Requirements
Auto insurance requirements vary by state. In Florida, to purchase tags for your car you must carry at minimum:
- $10,000 of Personal Injury Protection (PIP)
- $10,000 of Property Damage Liability
However, Florida’s Financial Responsibility law also requires drivers to be financially responsible for bodily injuries to limits of $10,000 per person with a maximum of $20,000 per accident. If you don’t have enough money in reserve to meet this requirement, you’ll definitely want to purchase Bodily Injury Liability.
No matter where you live, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. Let us help you find a reliable auto insurance policy you can afford. Request a free auto insurance quote now!
Additional Coverage Options
Depending on your situation you may want to–or be required to–purchase the following additional coverages:
Collision insurance provides coverage for damages caused to your vehicle in a car accident. Standard collision coverage will pay for repairs up to the fair market value of your car minus your deductible–the amount of money you pay toward repairs before your collision insurance kicks in. The higher your deductible, the less collision coverage will cost.
Comprehensive insurance provides coverage for damages done to your car in other ways than a collision, such as if it were stolen or vandalized. Typically, flood, hurricane, theft, windshield damage and fire are also covered by comprehensive car insurance. Similar to collision insurance, comprehensive will pay up to the fair market value of your car minus your deductible. If your car is financed, you will probably be required to purchase comprehensive coverage.
Every situation is unique – request a free auto insurance quote or call us at 321-784-2300 today to find out how to get the best price and value on auto insurance in Florida.