Frequently Asked Questions (FAQs) About Auto Insurance in Jacksonville, FL
Auto insurance is essential for every driver in Florida, but understanding your coverage options and state requirements can be confusing. At Bacon Insurance, we’re committed to helping drivers and residents of [zy_surrounding_communities] make informed decisions about their auto insurance. Below, we address some of the most frequently asked questions from our clients.
What Are Florida’s Minimum Auto Insurance Requirements?
Florida law requires all drivers to carry at least:
- Personal injury protection (PIP). Covers medical expenses and certain other costs, regardless of who is at fault, with a minimum of $10,000.
- Property damage liability (PDL). Covers damage you cause to someone else’s property, with a minimum of $10,000.
Keep in mind, these are just the minimums. Many drivers choose higher limits or additional coverage for better coverage.
What Types of Coverage Can I Add to My Policy?
Beyond the required PIP and PDL, you may consider:
- Bodily injury liability. Can help pay for injuries to others if you’re at fault.
- Collision coverage. May help repair or replace your car after an accident.
- Comprehensive coverage. Insures against theft, vandalism, weather and other non-collision events.
- Uninsured or underinsured motorist. Can cover your costs if you’re hit by a driver with little or no insurance.
Our team can help you review your options and select coverage that fits your needs and budget.
How Are Auto Insurance Rates Determined in Florida?
Rates are influenced by several factors, including:
- Your driving record and claims history
- The type and age of your vehicle
- Where you live in the area
- Your chosen coverage limits and deductibles
We work with you to find competitive rates and discounts for which you may qualify.
Do I Need Auto Insurance If My Car Is Paid Off?
Yes, Florida law requires all vehicles with valid registration to be insured, even if you own your car outright. Maintaining coverage also protects your financial interests in case of an accident.
How can Bacon Insurance Help Me With My Auto Insurance?
Our experienced team is here to answer your questions, explain your options and help you find the right policy for your situation. We’re dedicated to providing clear guidance and ongoing support for Jacksonville drivers and surrounding communities.
Ready to review your auto insurance or have more questions? Contact us today to speak with our team.
