Home, Health, Auto Insurance, Business Insurance,
150 E. Palmetto Park Rd, Suite 800,
Toll free: 866.910.0030
South Florida and Boca Raton:
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There are different types of Florida auto insurance coverages which we will inform you about here and also ways you can get discounts on your coverage. Blue Sky Insurance agency in Boca Raton, a top insurer for auto / car policies educates the consumer how to buy car insurance and make sure you have adequate coverage withour paying more than you have to.
The State of Florida, a no fault state, unfortunately has poor minimum insurance coverage requirements to legally operate a motor vehicle. Half of all the drivers in the state carry this minimum coverage and approximately 23% of drivers have no insurance at all. In the event of an accident you have to protect yourself from lawsuits and liabilities that could devastate your financial health. At Blue Sky Insurance we recommend that you carry sufficient coverage to protect yourself and your family
The minimum coverage required is only $10,000 property damage coverage and $10,000 Personal Injury Protection (PIP) which can cost as little as $450 a year. This coverage does very little to protect yourself from possible financial ruin. Even if the accident isn’t your fault you could still be liable for astronomical expenses for loss of income, medical costs and permanent injury. That is why it is important to find the best auto insurance agencies in Boca Raton who thoroughly asses your risks and driving record to obtain the right policies for your protection. It is also advisable to learn about the ways to reduce your auto insurance rates, and the type of car you drive also affects your rates.
Medical Payment Coverage is type of insurance drivers in Boca Raton and the state of Florida should acquire in the event you need medical services due to an accident. Remember PIP only covers 80% of your costs so this insurance closes that gap and covers 100% of your costs.
Collision insurance protects you in the event the other driver has no insurance, you caused the accident or the damages exceed $10,000.
Uninsured Motorist Coverage is recommended to protect yourself from another driver’s lack of Florida car insurance coverage. If they have the minimum $10,000 coverage and your expenses exceed that amount you will have to pay out of pocket for any expenses they can’t cover. With this insurance your expenses or your case will be funded by your own insurance company. If you have more than one automobile it is advised that you purchase Stacked Uninsured Motorist Coverage. It is well worth it as this additional coverage costs very little but the benefits are great.
GAP insurance is recommended in the case you have an auto loan and your vehicle is worth less than what you owe. This type of coverage will allow you to pay off your loan in the event your car or truck is totaled and you cannot recoup the cost of what you owe.
Extended Personal Injury Protection coverage protects you from medical bills and lost wages when your bills exceed $10,000. The majority of the time medical bills exceed that amount and can reach tens or hundreds of thousands dollars per injury. We advise our clients to carry at least $100,000 worth of coverage.
Many people are not aware that if you have health insurance coverage that policy will take over when the PIP coverage is exhausted. But it is not wise to rely on that because you have to consider that it often has a large deductible which you will have to pay out of your own pocket. Also in the event you have won a case against the other driver your health insurance company may seek to recoup losses from the money your are rewarded by the courts.
Another very important form of auto insurance you really need to think about is Bodily Injury Liability coverage in the amount of $100,000 per person and $300,000 per accident. This insurance goes into effect when you are at fault in an accident and caused serious injury to another person.
All insurance coverages should also include Rental Car coverage that reimburses you for rental fees while you are without your car. Also Towing and Labor coverage added to your policy will cover the expenses associated with transporting you damaged car.
All of these types of coverages may seem like a lot but in reality the cost is not that expensive, especially when you have to file a claim and realize what you would have had to pay if you weren’t properly covered.
Alway make sure your Florida auto insurance coverage is paid in full and does not lapse. If this happens your insurance company is required by law to inform the Florida Department of Highway Safety and Motor Vehicles (DHSMV) that you are no longer covered. When this happens your driving privileges will be suspended until your policy goes back into effect. You will also be required to pay a $150 fine for the first offense and more for subsequent offenses.
The cost of Florida auto insurance depends on several factors. If you live East of I-95 you will pay more because the risk is higher in those areas. Also your age factors into your premiums especially for teens and young adults. Your driving record is an important determining factor of how much you will pay. The cleaner your record the lower rates you will have to pay. And lastly the type of vehicle you are insuring is considered by your insurer when calculating rates. Your deductible is the only aspect of your policy that you can control when it comes to cost.
Go to our online auto insurance calculator to see what your car insurance rates are. Eneter the information about your vehicle and other details and get your annual price for insurance. We strive to get the lowest possible rates because we spend time on your policy. At Blue Sky we always make sure you have good coverage and not just a policy.
Let Blue Sky Auto Insurance in Boca Raton go to work for you by assessing your current auto policy to make sure you are not exposed to financial ruin due to costly liability claims or medical bills. Go to our online auto insurance quote page and complete the forms so we can take a look at what you have a contact you for a free consultation.
Blue Sky Insurance® Mission Statement “We strive to give our clients the best customer service, putting our clients’ best interest first and foremost.”
Our commitment to you We are committed to providing our clients with comprehensive consultation, dedication, and service by delivering a turnkey insurance solution to meet their specific needs.
Personal service Your coverage is assigned to one of our dedicated customer service representatives. You will always have an agent who is familiar with your file when you need help with claims, additional coverage, or renewal analysis.
Continuity All of your insurance needs are met under one roof, simplifying your life.