Auto Insurance Brandenton, Palmetto, St. Petersburg
What is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Florida Auto Insurance Requirements
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
- Personal Injury Protection (PIP) insurance covers any medical expenses and income loss that result from a car accident.
- Property Damage Liability (PDL) covers you for damages you cause in a car accident to someone else’s property, such as homes or buildings. Florida law requires you to have PDL coverage.

Optional Car Insurance in Florida

- Bodily Injury Liability – this covers your legal liability for bodily injury to others.
- Comprehensive – provides coverage for damage to your car resulting from fire, theft and other direct losses not excluded.
- Collision - this covers damage to your car resulting from upset or impact with another object.
- Towing and labor
- Uninsured Motorist Coverage – coverage pays for bodily injuries to you, resident relatives and certain others, resulting from the negligence of others. It pays when the at-fault party has: no liability insurance, or liability with limits not adequates to pay for damages incurred, or if injuries result from a hit-and-run vehicle.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Why do you need auto insurance?
It’s really all about protecting yourself financially.
- Bodily Injury Liability – this covers your legal liability for bodily injury to others.
- Comprehensive – provides coverage for damage to your car resulting from fire, theft and other direct losses not excluded.
- Bodily Injury Liability – this covers your legal liability for bodily injury to others.
- Comprehensive – provides coverage for damage to your car resulting from fire, theft and other direct losses not excluded.
Comparative Quotes
With our Online Auto Insurance Rater, we’ll quickly be able to provide rates for multiple carriers, for any risk, including FR44, SR22 Insurance, non-owner insurance, and young driver insurance, giving you the ability to save time and money on your auto insurance.
Licensed Agents
With our Online Auto Insurance Rater, we’ll quickly be able to provide rates for multiple carriers, for any risk, including FR44, SR22 Insurance, non-owner insurance, and young driver insurance, giving you the ability to save time and money on your auto insurance.
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