Venice, Florida Car Insurance
All of the Insurance companies we represent provide a wide range of Auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for Auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you and right for your budget.
Auto Insurance Coverage options in Venice, Florida:
Collision and Comprehensive (Other Than Collision) coverage
Collision and Comprehensive (other than collision) coverage work together to pay for damage to your automobile. You can purchase either or both forms of coverage for each vehicle you own. If you have an auto loan, you will be required to purchase both forms and maintain affordable deductibles.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by events such as fire, theft, hurricane, flood, and vandalism.
Collision and Comprehensive (Other Than Collision) coverage usually includes a deductible, which can range from $100, to as high as $2,000. If your car is damaged, the insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium, but the less you will be reimbursed for damages in the event of a covered claim.
Liability coverage pays for injuries you cause to other people, and damage you cause to someone else's property, when you are at fault in an automobile accident.
Medical Payments Coverage
Medical Payments coverage pays medical expenses, up to a specified dollar limit, for you and passengers in your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work. Florida requires you to carry Personal Injury Coverage.
Uninsured/Underinsured Motorist Coverage
This coverage is afforded to you and passengers in your vehicle if you, or they, are injured in an accident not found to be your fault, but the fault lies with another driver who is completely uninsured, or with a drvier who doesn't have adequate liability insurance to cover yours' and your passengers' injuries. It also affords coverage you if you are in an accident with a hit-and-run driver and the driver, along with their insurance, cannot be found.
Optional or special coverage can include things such as towing, rental reimbursement, and roadside assistance. None of these coverages are required, but always highly recommended.
How much do I need?
Choosing the appropriate level of auto insurance coverage depends on a number of factors, including assets you own and wish to protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk in general.
Our professional auto insurance agents in Venice Florida, including the Englewood, Nokomis, North Port, Port Charlotte, and Sarasota areas, can assist in finding the right car insurance for you today.