All auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your legal financial responsibility for injuring others. Liability coverage is required in Florida for any auto that you own and for which you have a registration.
The second part of auto insurance covers the car itself. Comprehensive coverage reimburses losses from fire, theft or other perils. Collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks.
In Florida there are other types of coverage we may recommend as well, such as Uninsured Motorists, Medical Payments, Roadside Assistance, Rental Reimbursement and more.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella (insert link to Umbrella) insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Wike Insurance offers free, comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.
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