Cheap Car Insurance in Palm Harbor, FL
If you’ve had difficulty finding car insurance that will fit your budget, there is one company in the Palm Harbor area which can help you get the coverage you need. It happens quite often that students and first-time drivers have difficulty getting insurance coverage they can afford, simply because they are placed in a “high risk pool,” which carries high rates with it.
You might also have poor credit history, or you might have a couple accidents on your driving record, which will make it difficult to get insured, but we can still help you obtain affordable insurance that covers state requirements. At Affordable Car Insurance Tampa, we have helped thousands of people obtain the coverage they need, even when they thought they were uninsurable.
Our Insurance Services
In addition to car insurance, there are a number of other services we provide for our clients. Because we have access to a vast network of insurance carriers, we are able to provide several other types of coverage for those who are interested in acquiring insurance. No home should be without homeowners insurance, especially given the cost of your investment in that home. That’s why we provide homeowners insurance to all Palm Harbor area residents, so you can be protected against accidents, severe weather, or any other types of disasters which might damage your home.
If you enjoy boating, and own a sea-going vessel, we can help you get boatowner’s insurance to protect your investment on this major asset. When you have good coverage on your boat, you’ll be able to enjoy peace of mind every time you are out on the water, knowing that you’re protected against any kind of accidents.
Life insurance is one of the foundations of financial security, and it’s a terrific policy to have in place to protect your loved ones. If you should pass on, you’ll know that your family has been provided for, and that they’ll survive on into the future. Insurance doesn’t only cover assets that you own, because it can also cover things that you rent, for instance your apartment or a vehicle.
Apartment rental insurance or car rental insurance is very affordable, and protects you against such situations as burglary or unexpected damage. Given the fact that it’s so affordable, it would be crazy not to have some kind of rental insurance on your dwelling or your rental vehicle.
Minimum Florida Auto Insurance
In the state of Florida, it is necessary to have car insurance on all vehicles which have at least four wheels. Individuals who do not reside in the state of Florida must register their vehicles, and may also have to secure state insurance in some situations. For instance, if you are employed in Florida or your children are educated in a Florida school, it will be necessary to register your vehicle in the state and to obtain insurance through a state agency.
It might also be necessary for you to have registration and insurance if you live in Florida for more than 90 consecutive days in a given year. If you don’t have this kind of insurance and you’re stopped by a police officer, it’s very likely that you will have a heavy fine to pay. The specific type of insurance required by the state of Florida includes two very important kinds of coverage: personal injury protection and property damage liability protection.
Personal injury protection is a coverage that includes medical expenses for you and your passengers if you should be involved in an accident, and at least $10,000 of coverage is required. It will also be necessary to have property damage liability coverage so that other drivers involved in an accident can be covered as well. It will be necessary to have $10,000 of property damage liability coverage, so as to cover all costs associated with the other driver and his vehicle.
Commercial drivers such as taxi drivers or truck drivers, will be obliged to have a higher level of insurance. It will be necessary to have insurance on your car or truck whether or not it is being actively driven and used by anyone. It will also be necessary to purchase your insurance policy from a carrier who is licensed to operate within the state of Florida. No matter where you live or drive in the state, any vehicle which is operated in Florida is required to have continuous coverage for as long as it is a registered motor vehicle.
Anyone leaving the state of Florida, will be required to register the vehicle in their new destination state, and they cannot cancel their Florida insurance until they have secured coverage in the new state. Apart from the two required types of coverage described above, there are some optional forms of insurance coverage you may want to consider purchasing as well.
You may want to get bodily injury liability coverage so as to cover the cost of any medical expenses for individuals in other cars involved in an accident. Collision coverage will cover the cost of any damages done to your property, and comprehensive coverage covers all forms of damage other than accident damage. For instance, if a hailstorm damaged your car, or someone broke into your car and stole a stereo, that would be covered by comprehensive insurance. You can also purchase uninsured motorist coverage to cover a situation in which you’re involved in an accident with a driver who has no coverage.
Find the Insurance That is Right for You
In this day and age, having insurance coverage is an absolute necessity. If you were to have any of your assets damaged or destroyed in an accident or possibly an act of nature, you could very easily be left with nothing. Imagine how costly it would be if your home were to be severely damaged by strong winds, and you had no insurance to cover the repairs.
The same could be said if you are renting a vehicle or an apartment, and you have no coverage. To guard against any of these unthinkable disasters, contact us at Affordable Car Insurance of Tampa, FL, so we can provide you with a 10-minute free quote that will set your mind at ease, and protect all your valuables.