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Auto Insurance Information
Affordable Car Insurance
Many drivers see car insurance as an expensive necessary evil. While it is necessary, it doesn’t have to be expensive. Car insurance rates are determined by a variety of factors, many of which you can use to actually lower your car insurance premiums.
St. Andrews Insurance Agency is filled with dedicated insurance professionals determined to find you the best policy for your vehicle and your budget. Connect with us by calling (850) 785-2383 or fill out an online quote form today.
Common Auto Insurance Questions:
What is auto insurance?
Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.
What does auto insurance cover?
The typical auto insurance policy can offer numerous benefits, such as:
Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.
Property damage liability coverage: This pays for damage to the other party’s property.
Collision coverage: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive coverage: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.
Your driving accident history
Your history of claims on other auto policies
Where you live
How far you drive each year
What Car insurance is Best?
No single policy fits all when it comes to auto insurance. In general, it’s recommended that you purchase full coverage auto insurance, but this varies. Full coverage auto insurance includes:
- Comprehensive Coverage: Comprehensive coverage provides compensation for damage to the insured vehicle due to fire, lightning, wind, hail, theft, vandalism and more.
- Collision Coverage: Collision coverage provides compensation for damages to the vehicle due to collision with another vehicle or object.
- Liability: Liability insurance covers bodily injury and property damage the driver may cause while operating the insured vehicle.
- Personal Injury Protection: This insurance helps with medical expenses for the driver and their passengers after an accident.
- Uninsured/Underinsured Motorist: This coverage steps in when the insured driver is involved in an accident with an uninsured driver.
What Car Insurance is Cheapest?
The cheapest car insurance option is generally to purchase only the minimum amount of liability required by the state, but this leaves you and your vehicle open for damage and loss.
How Much Does Auto Insurance Increase After an Accident?
An average at-fault accident may raise your rates by about 30%. Higher violations, such as DUIs, can cause your insurance to jump by 80% or more.
How much Auto Insurance Coverage Should I Have?
Coverage limit needs vary from vehicle to vehicle. If you have any questions about how much your vehicle is worth and should be insured for, get in touch with a St. Andrews Insurance Agency insurance professional today.
How Much Should My Auto Insurance Deductible Be?
Most car insurance deductibles are around $500, but this depends on your policy and coverage limits.
What Auto insurance is Required in Florida?
Florida requires all drivers to carry at least:
- $10,000 in bodily injury liability per person
- $20,000 in bodily injury liability per accident
- $10,000 in property damage liability.
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