If you are driving a vehicle in the Orlando, Florida area, you must adhere to state laws regarding minimum auto insurance. This protects you and other parties in case you are in an accident.

Furthermore, the Florida DMV (Department of Motor Vehicles) will require you to show proof of insurance to register a motor vehicle anywhere in the state. If you want to purchase a vehicle, especially with financing, you also need to demonstrate that you carry at least the minimum auto insurance, which is:

• PIP (Personal Injury Protection) of at least $10,000

• PDL (Property Damage Liability) of at least $10,000

Penalties in Florida can be quite serious for failure to comply with auto insurance laws, so you don’t want to be caught without the proper coverage. And without sufficient insurance, your personal assets, like your home or business, could be taken if you are at fault in an accident and receive a judgment for damages in a court of law.

The good news is that you can purchase auto insurance from Orlando Insurance Center for a reasonable price. As independent agents, we have access to a broad array of auto insurance products, and we can work with you to find the one that best meets your needs and your budget.

When you purchase an auto insurance policy, you can usually choose one with a higher deductible to lower your premium. The premium is the amount you pay for the policy. The deductible is what you pay out of pocket before your policy kicks in, in the event of filing a claim. Conversely, if you’re worried about a higher deductible being too much for you, you can select a lower deductible and pay a bit more for your premium.

Beyond the bare minimum liability coverage, we often recommend drivers purchase additional insurance for greater protection and peace of mind.

• Increased liability coverage: covers you for more than the $10,000 minimum PIP and PDL if you are at fault in an accident

• No-fault liability insurance: covers you and your passengers regardless of who is at fault in an accident

• Collision coverage: covers repairs to or replacement of your vehicle in the event of an accident

• Comprehensive coverage: protects you if your car is stolen, vandalized, or damaged due to natural disasters

Give us a call today at 407-680-1214 or send us a message online to talk about your auto insurance needs. We’ll answer all your questions and get you the right policy so you can drive without worry, knowing you and your vehicle are protected.

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