Why Altamonte Springs Auto Insurance Should Go Above State Requirements

Why Altamonte Springs Auto Insurance Should Go Above State Requirements

When you shop for Altamonte Springs auto insurance, you need to adhere to state minimums. The state of Florida will determine the minimum level of coverage that you need to have on your policy. Going above and beyond these minimums will offer you a greater level of protection.

What the State Requires

The state of Florida requires you to have specific auto insurance. There are set limits for liability of property damage and bodily injury. You are also required to have PIP, otherwise known as personal injury protection.

What this insurance protects against is if you get into an accident with another vehicle. Your insurance will cover the damages so that there is a minimal amount for you to pay out of pocket. You are also covered in the event that you get injured during an accident.

There is still a lot of instances where you are not covered, however. This means that what the state requires isn’t going to be all of what you need – not if you don’t want to have to pay out of pocket for the various scenarios that occur.

Other Scenarios

You have to look at all that could happen. Someone could hit you in a parking lot and not leave a note. You could hit a deer in the middle of the road. A rock or a piece of hail could shatter your windshield. There’s no way of knowing what could happen and therefore you have to be prepared for it all.

You need to look at going above and beyond the state requirements for car insurance by exploring such coverage as

  • Collision
  • Comprehensive
  • Uninsured motorist

This will help you to be better protected. You can file a claim knowing that you have the coverage in place. If you get into an accident or there is a natural disaster, you won’t have to pay out of pocket beyond the deductible that’s on your account.

Saving on Coverage

As you shop for Altamonte Springs auto insurance, insurance companies will automatically make sure that you are meeting the state requirements. Some insurance companies will often add collision and comprehensive coverage, even though it is not required. This means it is up to you to identify how much coverage you want.

The only way to truly save on coverage is to pay attention to what you are asking for in the quotes. If you don’t need certain coverage, you can eliminate it, as long as you are still meeting the state requirements.

Various discounts are available for you as well. When you shop for auto insurance, you might be able to save because of being married, a homeowner, being a good student, or having multiple policies from the same insurance company. An independent insurance agent will be able to help you determine what kind of coverage you need and get an affordable premium.