Which Auto Insurance Policy is Right For You?

At Deboo Insurance Agency, Inc. in Deerfield Beach, FL, we are happy to provide auto insurance that meets Florida’s coverage requirements. Factors to consider when choosing an auto policy include the types of coverage you need, coverage limits, and deductibles.

Types of Coverage

There are several different types of auto insurance coverage. Liability coverage is designed to protect you from damages the other person receives during an accident. Florida law states that all drivers must have property damage liability (pdl), which covers damages to the other party’s vehicle or property, and Personal injury protection (pip), which includes your medical bills in the event of an accident. Bodily injury liability isn’t required in Florida because each person is required to have personal injury protection. However, if their medical costs exceed their pip coverage, bodily injury liability will cover the difference. 

Comprehensive and collision coverage are also commonly chosen. Collision coverage covers damages to your vehicle in the event an accident is your fault. Comprehensive coverage covers noncollision related damages, including vandalism and theft. Lenders often require you to carry collision and comprehensive coverage.

Lastly, uninsured and underinsured motorist coverage will protect you in case the accident is someone else’s fault, but they have no insurance or insufficient coverage. 

Coverage Limits and Deductibles

Coverage limits are the maximum that your policy will pay. Each policy will have it’s own coverage limits. Minimum coverage limits are required by law, but many people choose higher coverage limits for more protection. 

Higher deductibles often offer lower premiums. However, it’s important to keep the deductible low enough that you have the means to pay it in the event of a claim. 

At Deboo Insurance Agency, Inc. in Deerfield Beach, FL, we have many auto policies to meet the needs of our customers. Call or stop by our office to begin selecting the right policy for your needs.