Auto Insurance in Melbourne, FL

Florida is a no-fault state, which means your auto insurance pays for your injuries, up to the policy’s limits, regardless of who caused the accident. Florida also requires minimum amounts of auto liability coverage to help pay for third-party accident-related property damage. Without coverage, you could face fines and license suspension.

What Does Auto Insurance Cover?

You can customize your auto insurance policy to include multiple coverage types. Most agents recommend the following:

• Personal injury protection may cover medical expenses and lost wages after an accident, regardless of fault.

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  Property damage liability may pay for damage you cause to someone else’s property.

• Collision coverage may cover your vehicle’s repair or replacement costs after a crash.

• Comprehensive coverage may cover damage due to fire, vandalism and other non-collision events.

• Uninsured/underinsured motorist coverage may cover accident-related costs if the at-fault driver lacks liability coverage.

How Much Should I Expect for Coverage?

Various factors impact auto insurance rates. Insurers often consider the driver’s age, location, driving record, credit history and the types of coverage chosen.

Ask your agent about potential discounts for bundling policies, low mileage, installing safety devices and completing an approved defensive driving course.

What Should I Ask My Agent Before Purchasing a Policy?

Before purchasing a policy, ask your agent the following:

• What’s the total cost, including fees?

• Are there discounts for safe driving, bundling or low mileage?

• What happens if someone without insurance hits my car?

• Does the policy cover medical payments beyond PIP?

• Will my rates change if I file a claim?

Also, make sure your insurer is licensed in your area. If you’re moving from another state, your agent can help transfer your coverage to meet Florida’s requirements.

Auto Insurance Agents Near You

Drivers in Melbourne, FL trust Ativa Insurance LLC for reliable auto insurance. Contact us today for a custom auto insurance quote.