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Home > Auto Insurance - Panama City FL & Santa Rosa Beach FL

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote

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 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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Contact us 1742 W. 15th Street
Panama City, Florida 32401

Ph: (850) 785 – 2383
Fx: (850) 785-0066
E: saiai@standrewsins.com
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