Auto insurance

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I don’t have health insurance, but I do have car insurance, so every time I get sick I go crash my car intro a tree. –

Sandal Insurance is 100% independent, we can take your current auto insurance coverage and compare them with a wide range of insurance companies to see who offers you the best deal possible. The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures.

Auto insurance explained

As you’re looking to get your new auto insurance, before you can make smart decisions in determining your coverage and your limits,  it helps to understand some basic policy components.

Collision Coverage: 

This is the very important coverage for your car! This coverage pays to repair or replace (if it is declared a total loss) your vehicle after an accident. If you hit another car or an object such as a fence or pole, or if someone hits you and leaves the scene, collision will pay to fix the damages on your vehicle.  If your car is financed, a lean holder will require you to carry collision coverage. However, if your car is paid off, you should consider how much is your vehicle worth. In case of an accident, can you afford to fix the vehicle your self or go purchase another without insurance incentive? The maximum collision coverage payout is the actual cash value of your vehicle minus the deductible amount you chose.

Comprehensive Coverage: 

This coverage runs alongside collision coverage as it pertains to your vehicle. Comprehensive will cover any other damage to your vehicle that is not covered by collision. That is why it is sometimes referred to as “other than collision” coverage. For example, comprehensive will pay for the repairs of your vehicle in the event of loss due to theft, fire, vandalism, severe weather events (tree falling on your vehicle, hail, flood) or animal impact. Just like collision coverage, the maximum payout is the actual cash value of your vehicle minus the deductible amount you chose.

Bodily Injury Liability and Property Damage:

This is the most important coverage any driver can have. This coverage is also required in many states. Why? Because it protects you against damages you cause in an accident to other people or property. This coverage will pay for other people’s medical bills, lost wages, pain and suffering, in-home care services and for their damaged vehicles or any other property you have damaged in an accident. It will also pay for your defense up to the policy limit in case you are sued due to an accident. So, when you are thinking about how much liability coverage you should purchase, the answer is as much as you can afford.  Do not shorten your self on the coverage that defends you the most! Most drivers think they are careful and will never cause an accident and yet, on a daily bases, people are severely injured even dead due to car accidents. Do not just hope for the best, purchase adequate liability coverage, protect your self!

Personal Injury Protection – PIP:

Florida is a partial no-fault state when it comes to car accidents. What does that mean? This means that regardless of who is at fault  in an accident, everybody first uses their own PIP coverage for medical bills, lost wages and even funeral costs. Personal Injury Protection coverage (in Florida $10,000 is mandatory) will cover you, your family and any passengers in your car. Even though, this coverage comes with auto policy it is up to you if you want to have a deductible and if you want your wages to be excluded from the coverage.

Un-Insured and Under-Insured Liability: 

Although, it is required by state of Florida to carry car insurance about 23% of Floridians are driving uninsured. What does that mean for you? Unfortunately, it means if you are hit and injured by an uninsured or underinsured driver you are on your own to cover your medical bills, lost wages and your pain and suffering. Luckily, you can purchase uninsured motorist coverage to cover all those losses for you, and your passengers. This coverage is peace of mind for you and your passenger’s well being if injured by uninsured or underinsured drivers.

Factors that can determine your auto Insurance premium

Age: People under 25 and over 70 are not on a preferred list. Statistics show that these two groups are most likely to have a loss reported; therefore, insurance companies’ algorithms are counting this against them.

Credit: More and more insurance companies are relying on credit when determining your premium. Even though they are only doing a ‘soft pull’ and not your entire credit history, it can help you or hurt you depending on what the report shows. 

Type of a Car: This one should not be surprising to anyone. Year, make, model and safety features are all looked at and it does make a difference.  Remember, it is not only how much money the insurance company will have to pay for your car if it gets totaled, but also, how much damage you can make to others and how safe it is for you. 

Driving History: Some insurance companies will look at only three years of your driving history, but many will ask for five. If your driving history is less than spotless, it matters what kind of violations you have. Not all are rated equal. 

Household: Not all, but most companies will account for all of the household members. For example, if you have young drivers living with you, it may affect everyone’s’ rate.

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