Best Auto Insurance
in Homestead, FL
Florida car insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged.
Car Insurance
Made Simple
This is designed to provide you with a layer of protection against property, liability, and medical costs following an accident. However, choosing the right one can be overwhelming. Reach out to our independent insurance agency to learn more and find the policy that’s right for you.
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What Do Auto Insurance Policies Cover?
There are various cheap auto insurance in Florida, however, based on the policy you choose, your coverage will vary. Here are some of the most popular options:
- Collision insurance — This portion accounts for damage costs if you are involved in a collision.
- Liability insurance — If you are at fault in a wreck, this insures you against any damage you cause others. Most states require drivers to carry minimum amounts. There are two kinds of coverage included:
- Property damage liability — This helps to pay for the damage to the other driver’s property (e.g., their car).
- Bodily injury liability — This helps pay for medical fees and sometimes death benefits for the other person caught in the wreck.
- Medical payments insurance (MedPay) — This portion aids you in paying for the medical bills of you and your passengers get into an accident.
- Uninsured/underinsured motorist insurance — This type assists cover the cost of damages caused by someone who doesn’t have good Florida car insurance.
- Comprehensive insurance — This covers other expenses that are not related to a wreck, such as theft, caused by weather, or vandalism.
There may be additional coverages that will be necessary based on your unique circumstances such as personal injury protection and roadside assistance. Be sure to ask our insurance brokers how we can tailor your Homestead car insurance.
How Does It Work?
An auto insurance is a contract between an insurer and an individual. You’ll pay premiums for your chosen coverage. Insurers use various data points to calculate premiums, with your driving record, claims history, location age, and the policies you select.
The aftermath of an accident may include repair costs, medical expenses, and potential legal fees. Having a clear policy can help reduce the financial impact of an accident. Working with an experienced Florida car insurance agent can help ensure that you have appropriate option.
Is Insurance Required?
Drivers must maintain coverage with limits that meet the state’s mandated minimums. If you lease or finance a vehicle, the lienholder typically requires physical damage insurance, and comprehensive one. Your insurance agents may recommend additional policies and endorsements, depending on your situation.
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As one of the best Florida auto insurance companies, F & N is committed to helping you find a policy to fit your specific needs. Reach out to us to start the conversation.