Tag Archives: Full
What To Look For In A Full Coverage Automobile Insurance Quote In Florida
What To Look For In A Full Coverage Automobile Insurance Quote In Florida
Compared to most other states, Florida actually requires very little from its residents when it comes to the automobile insurance they are required to purchase if they wish to drive a vehicle on a public roadway in Florida.
If you have a good driving record you can legally drive your automobile in Florida if you purchase just ,000 of Personal Injury Protection (PIP) coverage and another ,000 in Property Damage Liability (PDL) coverage. If your driving record includes a crash or if you have gotten speeding or other tickets the state is allowed to force you to also buy Bodily Injury Liability (BIL) insurance before you can legally drive.
What does this minimum insurance cover? Not much, really.
Personal Injury Protection – PIP coverage – covers medical expenses for anyone in your vehicle if you are in a crash regardless of whose fault the accident is. If you’ve been to a doctor or spent even one night in a hospital or made even one visit to the ER in the past year then you know that ,000 in insurance coverage will barely cover the cost of a scratch to someone’s upper arm, let alone anything even remotely serious.
Property Damage Liability (PDL) insurance covers the repair or replacement of the other person’s car and certain other property due to a crash, regardless of whose fault the accident is.
Again, ,000 will barely cover the replacement of a bumper on many of today’s high-priced cars.
Bodily Injury Liability (BIL) insurance covers the medical expenses of anyone in the other car if you are in an accident. This insurance also pays for certain legal expenses if you are sued following an accident. Considering today’s medical costs you may wish to consider carrying as much BIL insurance as you can afford, especially if you have a home or other assets which you could lose in the event of a lawsuit.
If you want your automobile to be repaired or replaced in the event of an accident you need to purchase two additional insurance policies – a comprehensive policy as well as a collision policy.
As the name implies, collision insurance protects your vehicle in the event of a collision with another moving vehicle or with a stationary object, such as a tree or a light post or a guardrail. If your vehicle’s engine is running and your vehicle is moving when an accident occurs, then your collision policy will cover the cost to repair your automobile up to the limits of the policy or up to the Kelly Blue Book value of your automobile.
Comprehensive insurance covers repair or replacement of your vehicle if it is damaged by an “Act of God” – such as a tree branch crashing down on it during a storm – or if it is damaged by vandalism. Your comprehensive insurance also covers you if you hit a deer or other animal which causes damage to your vehicle.
So in Florida what you want to look for in a full coverage automobile insurance quote is:
• Personal Injury Protection (PIP) insurance
• Property Damage Liability (PDL) insurance
• Bodily Injury Liability (BIL) insurance
• Collision Insurance
• Comprehensive Insurance
Now you know exactly what to look for in a full coverage automobile insurance quote in Florida. The amount of each type of insurance that you choose to carry should be based on your personal assessment of the risks that you face each day, the cost of the insurance and the assets which you wish to protect.
Getting the best deal on full coverage automobile insurance in Florida is a matter of determining what you want in a policy and then comparing the price for that policy among all of the insurance companies in Florida. The best way to do that is through the multitude of automobile insurance comparison websites on the internet.
Just remember that since no one comparison website makes comparisons between all of the automobile insurance companies operating in Florida you really need to spend the extra time to make your comparisons on at least 3 different websites.
Once you’ve done that then basically all that’s left is to choose the best price that you find. Happy hunting!
What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin
What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin
Before you apply for a full coverage automobile insurance quote in Wisconsin, make sure you understand the difference between full coverage protection and liability coverage protection.
In Wisconsin, liability insurance coverage is a basic car insurance policy. The state has minimum requirements regarding liability protection. They are as follows:
•,000 of property coverage
•,000 of personal injury coverage
•,000 of death coverage
These coverage amounts are the most basic liability protection you can purchase in Wisconsin. Yet, many motorists choose to purchase higher amounts in order to ensure they’re more protected.
At the same time, many drivers opt to purchase what is known as “full coverage” insurance. Full coverage car insurance is best known for having both collision and comprehensive protection in addition to Wisconsin’s minimum liability coverage protection. Collision insurance protects you in the event your vehicle collides with another driver’s vehicle, and comprehensive insurance protects you in the event your vehicle becomes damaged due to something other than a collision with another vehicle, i.e. fire, theft, weather damage.
However, there is no one definitive kind of Wisconsin full coverage car insurance. Aside from collision and comprehensive protection, there are other kinds of coverage you can purchase. For example, you may be interested in underinsured motorist coverage. Wisconsin automatically includes uninsured motorist coverage in your policy; however, underinsured motorist coverage protects you in the event you’re involved in an accident with a motorist who has coverage, but doesn’t have enough coverage.
Another kind of auto coverage option is towing and labor costs. It may not be often that your car breaks down, but this is a handy kind of protection to have around if the inconvenient situation ever arises, as is rental reimbursement coverage for when you need to rent a vehicle while yours is being repaired.
You may also want to consider purchasing protection for your vehicle special features such as your sound system and your audio cassettes and compact discs.
EZQuoteGuide.com can provide you with free and instant full coverage automobile insurance quotes in Wisconsin.