Cheap Car Insurance in Wesley Chapel, FL
Anyone living in Wesley Chapel, FL, who has had difficulty finding an affordable insurance carrier should be glad to learn about Affordable Car Insurance Tampa. Our specialty is consulting with a number of the nation’s most reputable insurance companies on behalf of our clients, so that we can find the best fit for your budget and your general circumstances. If you’ve already had a couple accidents on your record, and you’ve been declined insurance for that reason, we can help.
Also if you’re a first-time driver or a student driver, we’ll be able to find insurance coverage for you, because we have such a huge network of carriers whom we consult with. It might also be that you feel you just can’t afford expensive car insurance – but we’ll be able to find some kind of coverage which will accommodate your budget. We want to be everyone’s go-to insurance provider in the Wesley Chapel area of the state, so we go out of our way to find coverage which is right for you.
Overview of Our Services
You might not think of rental insurance immediately when anyone talks about insurance coverage, but rentals can be very important to your overall security, so they also require protection. For instance, as an apartment renter, what would you do if all your possessions were destroyed in a fire, or damaged by flood conditions? You might also be renting a car to take on a driving vacation, but if you got in an accident without coverage, you would have a serious issue, and might suffer financial losses.
It isn’t just your primary vehicle that needs to be insured against accidents on the roadway either, because you might have a motorcycle or an all-terrain vehicle that needs to be safeguarded against damage or destruction. Florida has a long coastline where the Atlantic Ocean provides a great source of recreation and playtime, and if you own a boat, you’ll certainly want to have that insured against any accidents which might occur. Many accidents occur when least expected, so you should anticipate this and obtain coverage for your boat.
The biggest investment most people ever make is their house, so it would be a grievous oversight to not have your home and all its belongings protected against some kind of loss. If a hurricane were to hit when you didn’t have any home insurance, you might well lose everything you own in a single day or night. This has happened to people before, and it will probably happen again in the future, so you should take steps to prevent it from happening to you.
We also offer life insurance, because it’s one of the basic building blocks of financial security, and because it’s something that most people like to have covered for the time of their passing. Funeral expenses can be exorbitant these days, and that would be a huge burden to put on your relatives, so life insurance is a must when you’re planning for the future. All these types of insurance can be purchased from Affordable Car Insurance Tampa and all at the most reasonable rates anywhere in the country.
Minimum Florida Auto Insurance
There are specific minimum requirements for auto insurance in the state of Florida, beginning with the fact that all vehicles having at least four wheels must be registered and insured. Even people who don’t live in the state, or reside here temporarily, must register their vehicles, and they may also need insurance coverage.
Anyone who is employed in Florida or who has children being educated in the Florida school system must register their vehicles here and obtain adequate insurance coverage. Living in Florida for more than 90 consecutive days carries a requirement of having Florida registration and insurance in most cases. The level of insurance that is required consists of two primary coverages, those being property damage liability and personal injury protection.
Personal injury protection covers medical expenses for anyone in your vehicle who is involved in an accident, regardless of who is responsible for the accident. There must be at least $10,000 of coverage like this in your insurance policy, and there must be at least $10,000 of property damage liability in your policy as well. Coverage for property damage liability relates to damages done to the other driver’s vehicle. The levels of coverage are higher for commercial drivers such as taxi drivers.
While it is optional, there are several other types of coverage you may want to include in your overall insurance policy. One good example is bodily injury liability, which covers the expenses of people in other cars who were involved in an accident. Collision coverage relates to any property damages you may have sustained in an accident, and uninsured motorist coverage will provide coverage in the event that you are involved in an accident with a driver who has no insurance.
Comprehensive coverage covers just about all kinds of damage which might occur to your vehicle other than damage resulting from an accident. This might include hail damage, vandalism done to your car, or any kind of theft which results in the loss of accessories or other items from your car. It is necessary that you purchase an insurance policy from a carrier who is licensed to conduct business within the state of Florida, and it will be necessary to obtain insurance even if your car or truck is not being driven on the road. All vehicles registered in the state of Florida must have continuation insurance coverage while their registration remains valid.
Secure the Best Insurance Option
From the above, it should be clear that obtaining automobile insurance coverage is a requirement in the state of Florida, under virtually all circumstances for a registered vehicle. Since you have to purchase this insurance anyway, it is to your benefit to obtain the least expensive policy with the best coverage, and that’s what we specialize in here at Affordable Car Insurance Tampa. Contact us today for a free 10-minute quote on coverage, and you’ll see why we are one of the biggest insurance companies in the state of Florida.