Get the Most for your Money with Spickelmier Insurance Agency

Auto insurance companies are clamoring for your business by the dozen. For this reason, you should never feel like you are low on options. Florida has the fourth-highest auto insurance costs in the country, so it’s more important here than in most other states to make your choice carefully.

This is why working with a dedicated Northeast Florida independent insurance agency like Spickelmier is most important; because we put the largest number of insurance companies on the table to compete for your premiums, in most cases delivering better rates and coverages than you can find on your own.

Florida’s Auto Insurance Minimums

In order to legally drive a car as a citizen of the state of Florida, you must have a minimum of:

• $10,000 worth of Property Damage Liability coverage.
• $10,000 worth of Personal Injury Protection coverage.
• $20,000 per accident worth of Bodily Injury Liability coverage (with a minimum of $10,000 per person).

Other coverage types, including Uninsured/Underinsured Motorist coverage, Collision coverage, and Comprehensive coverage, are not always required. Of course, there is a big difference between “not required” and “not a good idea” – it is usually a good idea to have Collision and Comprehensive coverage particularly on newer cars and especially if your vehicle is in any way critical to your livelihood.

“Common” Auto Coverage

While it can be tempting to get just the minimum required coverage and save a few bucks a month, there is a good reason why the insurers’ ‘standard’ policies offer significantly more, such as:

• $50,000 worth of Property Damage Liability coverage.
• $10,000 worth of Personal Injury Protection coverage (the same as the minimum.)
• $100,000 worth of Bodily Injury Liability coverage.
• $20,000 worth of Uninsured/Underinsured Motorist coverage.
• Collision insurance with a $500 deductible.
• Comprehensive insurance with a $250 deductible.

The reason is that the legal minimums don’t really protect you very much at all. Personal Injury Protection will pay out to cover your medical bills if you get in an accident, but both Property Damage Liability and Bodily Injury Liability coverage only pay out if you hurt someone else in an accident. Of course, these coverages are critical to protect you from legal troubles in the event of an at-fault accident, but they do not help you recover a damaged or totaled vehicle, or any of the contents thereof.

At Spickelmier Insurance Agency, we believe the entire purpose of insurance is to protect you from the ugliest surprises that life can throw at you, so we strongly encourage each of our clients to acquire the insurance that will best accomplish that goal. Of course, we understand that you need to work within the parameters of your budget, and that’s why we’re here; to help you get the most out of every dollar you spend insuring your car. Contact us at (904) 471-7155 or stop by our office to get started.