Driving is a privilege and it gives each driver a certain amount of control.  With auto insurance, a driver will remain in the driver’s seat both in and out of the car.  In case of an accident, auto insurance protects the driver against financial loss.  With auto insurance a contract is established with the insurance company, which protects the driver.  Once the driver agrees to pay the premium that binds the contract with the insurance company, the insurance company agrees to pay losses as defined in each driver’s insurance policy.

Most states require the purchase of some kind of automobile coverage, if one owns and operates a car.  In addition, if one finances a car, the bank lender may also have specific coverage requirements.

Most auto insurance policies cover six months to a year. Insurance company should notify by mail when it is time to renew the policy and to pay the premium.

Simply put, basic auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of a car.

Liability coverage pays for the legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes coverage will pay for lost wages and funeral expenses.


Auto insurance will protect you financially:
If you’re in an accident or your car is stolen, replacing or fixing your car costs money, often a lot of money.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you are worth.
Not only is having insurance a prudent financial decision, but also many states require that you have at least some coverage.

An insurance agent serves as an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? In order to keep premiums low, you may want to have a higher deductible and be willing to pay more for repairs.
  • What is the insurance company’s level of service and ability to pay claims?
  • What discounts are available? Always ask if you qualify for good driver, multiple policy, and student discounts.
  • What is the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim.

Because everyone has different needs, consulting your agent to help assess your needs and find the insurance policy that is right for you is the best course of action.

AVP Insurance concentrates on Florida automobile insurance. Our exceptional team of experts will generate a list of insurance company quotes, based on each customer’s preference and budget. With many competitive companies from which to choose, customers no longer have to waste valuable time contacting company after company in search of the best policy at the best rate. AVP Insurance will do the work so that each customer makes the most informed decision in purchasing automobile insurance.
Collision and Comprehensive coverage:

Collision and Comprehensive coverage pays for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan however, you may be required to purchase both.

  • Collision coverage insures against damage(s) to your vehicle in the event of an accident.
  • Comprehensive coverage insures against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and Comprehensive coverage usually includes a deductible typically ranging from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability Coverage:

Liability coverage pays for injuries you cause to other people, and damage you cause to other people’s property if you are found to be at fault in an automobile accident.

Medical Payments Coverage:

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers in your car who are injured in an automobile accident, regardless of fault.

Personal Injury Protection:

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist Coverage:

This coverage pays if a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries injures you. It also covers you if you are in an accident with a hit-and-run driver.

Optional Coverage:

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

Choosing the appropriate level of auto insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles) and your tolerance for risk. AVP Insurance will create a policy tailored to all of your needs.