There are millions of people that are in need of auto insurance but have no idea where to begin. Ads for auto insurance tend to be overwhelming, making them confused on where they should buy their insurance. Although picking the right insurance company is important, how much coverage and what type of auto insurance they need to have is vital.
Minimum Requirements for Each State
Prior to searching for auto insurance, you need to learn what the insurance requirements are within your state. Depending on which state you reside in, most require the amount of $40,000, but some have requirements as high as $100,000 in auto insurance coverage. When purchasing auto insurance in Brandon FL, there is a requirement of $10,000. However, in the state of Florida, you may be required to purchase additional insurance if you have been in an auto accident or had convictions for certain offenses.
Different Types of Auto Insurance Coverage
Whether purchasing auto insurance in Brandon FL or another state, there is more than one type of insurance coverage to choose from. The most basic type of insurance required by most states is liability insurance. With this type of insurance coverage, damages caused by you, such as property and bodily injury, would be covered. Another type of auto insurance is a collision, where the insurance company covers repairs that are needed after an accident. Comprehensive insurance is another type in which damages from theft, vandals, floods, or other happenings would be covered by the insurance company.
Purchasing Auto Insurance in Brandon FL
When considering what type of auto insurance you need to purchase in Brandon FL, if money is owed on the vehicle, an auto lender may have certain rules in place that need to be considered. However, when no money is owed, you can choose which auto insurance coverage makes you feel secure, provided it meets the state’s requirements. An insurance agent can help inform you of what type of insurance you may be required to have.
For more information, contact A. Kilbride Insurance, or call us at 813-238-7467.