Car Insurance FAQs

What is BIL or Bodily Injury Liability Insurance?

BIL or Bodily Injury Liability insurance is required for certain drivers. Drivers with previous accidents or violations may be required to carry this type of coverage. This coverage helps pay for serious or permanent injury or death to others when you cause a crash with your automobile. Bodily injury liability (BIL) carries a minimum of 10/20. This means the insurance company will pay out $10,000 per person for injuries you cause to the other party but not more than $20,000 total.

What is PIP or Personal Injury Protection?

PIP or Personal Injury Protection insurance covers your injury-related expenses regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses.

Does the kind of car I drive affect my auto insurance rate?

Yes. The kind of car you drive can impact your car insurance rate, especially if you have comprehensive and collision coverage. Keep in mind that insurance rates are based on the car’s loss history, how often it’s stolen, and how expensive it is to repair or replace that kind of vehicle after an accident or theft.

The easiest way to determine how the car you drive affects your insurance rate is to talk with one of our agents who can help you find the right auto insurance coverage for you.

What deductible should I choose?

The higher the deductible, the lower the premium (but requires more out of pocket money in case of a claim). The lower the deductible, the higher the premium (but requires less out of pocket money if you have an insured claim).

Why do Car insurance premiums change?

Auto insurance premiums change for the same reasons other goods and services change over time. Insurance companies are also subject to the same price increases for goods and services you are subject to, which in turn affect  the cost of your insurance premium.

Some costs that affect the price of car insurance include:

  • Auto repair costs
  • Medical costs to treat injuries
  • Inflation
  • Costs to adjust claims

Insurance companies regularly monitor price changes to see how they are affecting the costs of the claims they pay. As these changes take effect, car insurance premiums are adjusted.

What can I do to lower my Auto insurance costs?

There are some things you can do to help lower you auto insurance costs. The car you drive greatly affects the premium you pay. So, to lower your insurance cost, you may contemplate changing vehicles to drive a safer, less valuable car. The greater the value of your vehicle, the more it will cost to insure it. If changing your car isn’t an option, you can try to make your current vehicle safer by adding anti-theft features or anti-lock brakes.

Finally, if both of the first options are not possible, then you can consider changing your driving habits. Since your driving record is the primary factor when determining your premium, you can try cutting down on the miles you drive and bundling your policies to save money in the end.

How do insurance companies assess my risk?

There are a number of factors that help insurance companies calculate the risk of offering coverage to an individual. Some of the factors are demographic information, driving record and your credit history (where allowed by law).

The best and easiest way to understand how an specific insurance companies assess risk is to talk to an insurance agent today about any concerns you may have.

How much Auto insurance does Florida require?

The state of Florida requires every vehicle with four or more wheels to maintain Florida Auto Insurance coverage. When you register your vehicle you must have proof of Florida coverage. The minimum requirement is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

If you have been in a crash or convicted of certain offences, the Florida DMV can request you purchase additional auto insurance coverage such as bodily injury liability coverage (BIL).

You may want to consult with an insurance agent and visit Florida DMV to learn about Florida’s unique requirements.

Would it be cheaper for a teen to get his or her own policy?

It is very unlikely. Generally, teenage drivers who are included in their parents’ policy get price breaks based on their parents’ discounts that they wouldn’t get on their own.

The total annual premium for both the parent’s policy and the teenage’s policy would generally be higher than a single policy that includes all family members.

When should a teenager get auto insurance?

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Do I need to start a new policy to add a driver or vehicle?

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Can I add or remove coverages in the middle of my policy?

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How much insurance coverage do I need?

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Are auto insurance companies regulated?

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Do all car insurance providers offer the same coverages and discounts?