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Let one of our experienced auto insurance specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from reliable companies that will not raise your premium by 15% after the first year. |
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The value of good automobile insurance often doesn't
become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have car insurance coverage you can count on. |
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Covers damage caused to the owners car from a collision caused by another
car or other object. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost of the auto insurance policy. |
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Covers damage caused to the insured's car (your car) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost of the auto insurance policy. |
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Bodily Injury Liability
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a
car, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident.
Most states require drivers to carry property damage coverage as a part of
their auto insurance policy. |
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Florida has "no-fault" laws, meaning your auto insurance policy must pay
medical bills for injuries suffered in an auto accident regardless of who caused the accident. |
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80% of medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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80% of necessary remedial treatment (nursing home care or home nursing care).
60% of disability benefits for any loss of gross income and loss of earning
capacity from inability to work because of an injury suffered in an accident. |
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or
an at-fault driver who has no auto liability insurance. This is not required in Florida. |
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This coverage comes into play when an at-fault driver has auto liability
insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Insurance Coverage
This type of auto insurance coverage pays for your medical expenses,
lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required coverage in Florida. |
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Underinsured Motorist Property Damage Insurance Coverage
Protects you if your car is damaged in an accident caused by a driver
who has insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in Florida. |
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We offer affordable Florida car insurance premiums to the following south
Florida counties and cities: Miami-Dade County, Broward County, Palm Beach County, Coral Gables, Kendall, Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Miami, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City, Davie, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Fort Lauderdale, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach, Margate, Coral Springs, North Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek, Deerfield Beach, Boca Raton, The Hamptons, Highland Beach, Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, and Leisure City, FL |
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Florida Car Insurance Policy Coverage
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"Your local south Florida car insurance agent specialist!"
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Copyright 2003-2010 Insurance Benefit Agency, Inc. - All rights reserved
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Insurance Benefit Agency, Inc.
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Florida Car Insurance Policy Specialists
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Click on the link below to fill out a quote form for a Florida car
insurance policy that will provide first class car insurance coverage at an affordable cost. Or you can call us toll free at 1-866-454-9555 to discuss the policy features in more detail. |
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Learn more about Florida car insurance
coverage options below! |
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10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in
an accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Florida liability coverage limits:
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Covers you for the treatment of injuries to the passengers of your car.
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Example of uninsured motorist limits:
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100/300 100=$100,000 - 300=$300,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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Benefits Provided:
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Answer a few questions and
we will provide you with a no obligation quote by phone. Choose the FL individual or group insurance coverage you're interested in from a menu above. |
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"Your Miami, Florida
Area Car Insurance Agent"
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Request a Quote Here!
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Individual Insurance
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Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. This is not required in Florida unless you displayed a financial irresponsibility following an accident. The minimum liability insurance coverage available for purchase in Florida is 10/20 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us at 1-866-454-9555 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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Property Underwriters of Florida
Insurance Benefit Agency, Inc.
409 W. Hallandale Beach Blvd.
Suite # 215
Hallandale, Florida 33009
(305) 931-5988
(954) 454-9599
Toll Free: (866) 454-9555
Fax: (954) 843-0313
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Click on the link below to fill out a quote form for a Florida car
insurance policy that will provide first class car insurance coverage at an affordable cost. Or you can call us toll free at 1-866-454-9555 to discuss the policy features. |
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Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older. |
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Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide. |
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Florida Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired because of a
covered event. |
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Florida Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside). This
policy is often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Florida Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken window
on your car is required. |
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Florida Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances that would
free the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the insurance
company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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If you have an older car, you can lower your Florida auto insurance premium by
reducing or dropping your collision or comprehensive coverages. Cars being sold today are much more costly to repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car accident, it's likely that your repair costs will be lower than those for a newer car with similar damage. The amount of Florida auto insurance premium that goes toward that coverage option is only slightly reduced for older cars than for newer ones. You can usually save some premium by taking on a small amount of risk. |
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Lower Auto Insurance Premium - Increase Your Deductibles
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Auto insurance premiums are based on the amount of coverage you have, and the
deductible you must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100 and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your monthly Florida auto insurance premium.
You should consider setting your deductible at an amount that you are comfortable
with. Determine the amount that you could afford to spend on your car in any given month if you had an accident. The amount that won't prevent you from paying all your bills is a good amount for an auto insurance deductible.
Remember though, if you have an car accident, the deductible you've chosen must
be paid before the insurance company will pay for your repairs, and there can be hidden costs in a car accident. For example, your Florida auto insurance policy may not pay the cost of a rental car while your car is being repaired. |
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Low-Mileage Discounts
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The more miles you drive, the greater the chances of being involved in an accident.
Most auto insurance companies offer discounts to drivers who keep the number of miles they drive each year under 10,000 to 12,000 miles. |
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Moving Violations
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Most automobile insurance companies provide discounts to drivers who have not
had a moving violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most serious moving violations which have an impact on your Florida auto insurance premiums.
Review your driving record prior to shopping for Florida auto insurance. You may
want to consider holding off on buying new auto insurance if you have a moving violation which can be removed from your records within a short period of time. |
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Reduce Auto Insurance Premium - Fewer Accidents
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Auto insurance companies want to insure the best drivers. Safer drivers have fewer
accidents, fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or a moving violation, the state where you are licensed assesses points to your driving record. Auto insurance companies limit their risk exposure by charging higher premiums to drivers who have more points on their driving records. Convictions of driving under the influence of drugs or alcohol is often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.
If you think that you apply for good driver rates, be sure to ask companies when
you are shopping for auto insurance what their "good driver" discounts are. Compare that price to the good driver rates of other companies, to help determine what the best Florida auto insurance policy is for you and your family. |
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Reduce Auto Insurance Premium - Anti-Lock Brakes
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Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces. The proper way to avoid this is to pump the brakes. People are limited in the speed with which they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.
Auto insurance companies want to reduce the chance that their policy holders will
have a car accident. The auto insurance discounts offered are another incentive to buy cars equipped with anti-locking brakes. |
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Multiple Insurance Policy Discount
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Many auto insurance companies will offer lower premiums if you have multiple
insurance policies with the same company, or multiple vehicles insured under the same policy. This works differently depending on which specific insurance company you are dealing with.
Insurance companies will offer discounts if you purchase a homeowners insurance
policy or an umbrella insurance policy to go along with your Florida auto insurance policy. |
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Click on the link below to fill out a secure quote request form for a Florida Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with our Florida Auto Insurance agent specialist toll free at 1-866-454-9555 to discuss the features in more detail. |