Auto Insurance Information

Auto liability insurance is more than just a legal requirement—it’s a financial safety net. Whether you’re a seasoned driver or a new car owner, knowing the basics of liability coverage is essential.

What Is Auto Liability Insurance?

Auto liability insurance is a standard component of car insurance policies. It can assist in covering the expenses related to injuries and damage resulting from an accident you are responsible for, as well as the legal costs associated with defending or settling lawsuits arising from the incident.

What Does Auto Liability Insurance Cover?

Auto liability insurance typically includes the following coverage:

• Bodily injury liability—This can help cover the cost of injuries you cause to others in an accident, which may include medical expenses, lost wages, and pain and suffering.

• Property damage liability—This can cover the cost of damage to other people’s property (e.g., their car, fence or building) caused by your vehicle.

Remember that these coverages apply to the other party involved in an accident, not to your own injuries or vehicle damage. To protect yourself, consider additional coverage like collision and comprehensive insurance.

How Much Does Auto Liability Insurance Cost?

The following factors can influence the cost of auto liability insurance:

• Driving record

• Credit history

• Coverage selections

• Vehicle make and model

• Age and driving experience

How Much Car Insurance Do I Need?

Determining how much car insurance you need involves considering state requirements, your financial situation and personal preferences. While each state has minimum coverage requirements it’s often wise to opt for higher limits to protect your assets better. Recommended coverage typically includes higher liability limits, uninsured/underinsured motorist coverage, collision, comprehensive and personal injury protection. The value of your car, your financial situation and your driving habits also play crucial roles in deciding the right amount of coverage. Regularly reviewing and adjusting your policy can help ensure it continues to meet your needs.

What Information Do I Need for a Car Insurance Quote?

To get a car insurance quote, you’ll need to provide several pieces of information about yourself, your vehicle and your driving history. The following is a checklist to help you prepare:

Personal Information

• Full name

• Date of birth

• Address

• Social Security number

• Driver’s license number

• Marital status

• Contact information (e.g., phone number and email)

Vehicle Information

• Year, make and model

• Vehicle identification number (VIN)

• Mileage

• Ownership status (e.g., owned, financed or leased)

• Primary use of the vehicle (e.g., commute, business or recreational)

Driving History

• Accidents and claims history

• Traffic violations

• Driver’s education or defensive driving courses (if applicable)

Additional Information

• Current insurance policy details (if you have one)

• Desired coverage levels and deductibles

How Do I Lower Auto Insurance Rates in Florida?

The following strategies may help lower your auto insurance rates:

• Compare quotes.

• Raise your deductible.

• Look for discounts.

• Improve your credit score.

• Drive a safe vehicle.

• Maintain a clean driving record.

• Review your coverage.

Do I Need Uninsured/Underinsured Motorist Coverage in Florida?

While uninsured/underinsured motorist coverage is not mandatory in Florida, it is highly recommended due to the state’s high number of uninsured drivers. This coverage can provide financial protection if you are involved in an accident with a driver without sufficient insurance. Given the risks, having this coverage can help manage the financial impact of such accidents.

How Does My Credit Score Impact My Auto Insurance Rates?

Your credit score can significantly impact your auto insurance rates, as insurers use credit-based insurance scores to help assess risk. A higher credit score often results in lower premiums because it indicates responsible financial behavior. Conversely, a lower credit score can lead to higher premiums, reflecting a higher perceived risk of filing claims.

Who Needs Auto Liability Insurance?

Auto liability insurance is essential for anyone who owns or drives a vehicle. Contact Automatic Insurance to discuss your auto insurance needs. We can recommend coverage based on your vehicle, driving habits and legal requirements.