Customizable Car Insurance in Florida

Finding Ways For Your Protection Needs

We all know the thrill of hitting the open road, but with that exhilaration comes great responsibility — your health and financial protection. Whether it’s a fender bender or a major collision, having car insurance gives you peace of mind knowing that you won’t be left high and dry. At Boyd Insurance & Investments, we offer more than one-size-fits-all car insurance coverage to help you get the right protection at a reasonable price.

What Is Automotive Insurance


Car insurance is a contract between an individual or an entity (the policyholder) and an insurance company. It provides financial protection and coverage in the event of damage, loss, or injury resulting from car accidents or other covered incidents. When a person purchases car insurance, they pay a premium to the insurance company on a regular basis, typically monthly or annually. In return, the insurance company agrees to cover the costs associated with specified risks or damages up to the limits outlined in the policy.

Automotive insurance typically includes coverage for various types of vehicles, such as cars, trucks, motorcycles, and commercial vehicles. The purpose of car insurance is to provide financial support and coverage for vehicle owners, helping them handle the costs associated with repairs, medical expenses, and legal liabilities that may arise from accidents or other unforeseen circumstances.

car insurance agent

What Does Automotive Insurance Cover

Automotive insurance is typically required by law in most jurisdictions to ensure that vehicle owners take financial responsibility for their road actions and protect the interests of drivers, passengers, and other individuals involved in accidents.

In Florida, auto insurance requirements are in place to protect both drivers and their vehicles. The state requires every driver to have a minimum car insurance coverage, including personal injury protection (PIP) and property damage liability (PDL). PIP covers medical expenses and lost wages if you’re injured in an accident, regardless of who was at fault. On the other hand, PDL covers damages to someone else’s property in case of an accident where you were found responsible.

Car insurance typically covers a range of situations and damages, providing financial protection and peace of mind. Here are three key areas that car insurance commonly covers:

Liability Coverage

This is the most basic coverage required by law in most states, including Florida. It helps cover the costs if you cause an accident and damage someone else's property or injure them.

Collision Coverage

This coverage helps pay for repairs to your own vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault.

Comprehensive coverage

This type of coverage protects against non-collision-related incidents such as theft, vandalism, fire, or natural disasters like hurricanes or floods.

Reliable Solutions for Your Auto Insurance Coverage

Accidents happen, and when they do, the costs can be huge.

Car insurance is an essential investment that provides a wide range of benefits and protects us from financial burdens from damages and injuries. It covers various expenses such as repairs, medical bills, and legal fees, giving us peace of mind and allowing us to focus on driving responsibly. At Boyd Insurance & Investments, we make sure you fully understand what your policy covers. Let us help you make wise decisions on what matters most to you.

Benefits of Car Insurance

Car insurance offers numerous benefits that go beyond just covering damages to your vehicle. It provides a sense of security, knowing that you are protected in case of an accident or theft. It also provides peace of mind and financial support during challenging times. With car insurance, you can drive with confidence, knowing that any unexpected costs resulting from an accident will be covered.

Financial Protection

Car insurance covers repairs or replacement costs for your vehicle after an accident.

Medical Coverage

It helps pay for medical expenses if you or your passengers are injured in an accident.

Liability
Coverage

It protects you from legal claims and pays for damages caused to other people’s property.

Peace of Mind and Legal Compliance

Auto insurance provides you peace of mind and ensures compliance with the law while driving.

Orange sports car

How Much Does Automotive Insurance Cost

Auto insurance can provide comprehensive protection for damages that are unrelated to an accident (e.g., losses related to theft, floods, vandalism, and fires). If you’ve ever wondered about the average car insurance cost in Florida and how much it differs from what your family and friends pay, it’s because auto insurance policies are not one-size-fits-all. Factors like your personal driving history, how often you drive, and where you live can all affect the cost of your auto policy. Here are the key factors that influence the cost of your car insurance:

  • Age

    Younger drivers usually have higher premiums due to their lack of driving experience.

  • Gender

    Statistically, males tend to be involved in more accidents so they may have higher premiums.

  • Driving Record

    A clean driving record with no accidents or tickets can result in lower premiums.

  • Make and Model

    Luxury cars or vehicles with high repair costs often have higher insurance rates.

  • Age of Vehicle

    Older cars may have lower premiums since they typically cost less to repair or replace.

FAQS and Blogs

If your vehicle is at higher risk of vandalism and theft, installing an anti-theft device or tracker can lower your premium. Although it’s an initial expense, it could save you more money in the long run. Read through our frequently asked questions to help you better understand auto insurance.

Car insurance can cover damages caused by natural disasters like earthquakes or floods. It’s crucial to have coverage for unexpected events that can cause significant financial strain. Stay protected and enjoy the freedom of worry-free driving.

Yes, there are circumstances where car insurance does not provide coverage. An example of this would be if you intentionally cause an accident or if the policy doesn’t include certain types of damage like wear and tear.

Yes, car insurance can cover damages caused by uninsured or underinsured drivers. It provides financial protection and peace of mind, allowing you to freely navigate the roads while knowing you’re safeguarded against potential risks.

Car insurance can cover accidents caused by drunk driving, providing financial protection and peace of mind. It helps pay for damages to your vehicle, medical expenses, and even legal fees, ensuring you’re not burdened with the consequences of someone else’s irresponsible actions.

Yes, it is possible to insure multiple cars under the same policy. This offers convenience and potential cost savings. It allows you to protect all of your vehicles with one comprehensive plan.

Boyd Agent

Customer-Focused Insurance Brokers in Florida

Having car insurance is not just a legal requirement but also a responsible choice. It safeguards not only ourselves but also other drivers on the road. Accidents can happen at any time, and having the right coverage ensures we are financially protected. There are few things more dangerous and stressful than getting into an accident. Contact Boyd Insurance & Investments today, and we can provide you with a variety of auto resources, including our infographic, “5 Things to Do if You Get in a Car Accident.”