Auto Insurance2025-06-02T12:15:14-04:00

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Save up to 37% with Fearnow Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability, and medical coverage:

  • Property coverage pays for damage to, or theft of, your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.

The State of Florida requires all drivers to have at least $10,000 coverage in both Property Damage Liability and Personal Injury Protection. If you have previously been involved in a major crash or have been convicted of a certain offense, you may also be required to carry Bodily Injury coverage. Also, if you are financing a car, your lender may have specific requirements on the types of auto insurance coverage you purchase.

What Our Customers Say

Joseph and Kayla went above and beyond to find the best rates for home and auto insurance. They stayed in constant communication and made the process very easy. 10/10 recommend Fearnow insurance!
Steven
22:32 11 Sep 25
Helped me find good policies in my budget.Madrianne was very helpful,kind and so easy to work with.... She is GREAT !!
Eric Hopkins
14:49 09 Sep 25
Jean Rodriguez with Fearnow Insurance has been such a blessing for Catholic Youth Soccer, Inc. Since we became a federally recognized nonprofit, she has been fully committed to making sure we are properly protected. Jean’s customer service is amazing—she is attentive, knowledgeable, and always goes the extra mile.Thanks to Jean’s support, CYS has the peace of mind to focus on serving families in our community through faith-based youth soccer. I highly recommend Jean and Fearnow Insurance!CYS is a huge fan of Jean's!!!!!!!
Patrick Poland
20:49 05 Sep 25
Jean Rodriguez, went above and beyond to help me out with my policy . I have a health situation, and she resolved the issue. I appreciate the fact that she kept me informed, and cares about her Clients. Thank you!
Manuel Campoamor III
20:48 05 Sep 25
Lydia in auto and Joe in Life insurance are fantastic ! Excellent customer service , quick responses to inquiries, above and beyond enthusiasm and attention to detail. Highly recommend this Insurance agency.
Grace Rhymes
17:36 04 Sep 25
Joseph was great to work with. He was knowledgeable, communicative, and answered all my questions! He also saved me and my family hundreds of dollars while still keeping great insurance on two vehicles. Good bye Geico! Thank you Fearnow team!
Lorenzo Laporte
21:46 03 Sep 25
I had a great pleasure to work with Joe. Answered to all my questions (I had a lot) and found the best price for my home insurance. Would recommend to check these guys when you are renewing your policy
Andy S
20:34 03 Sep 25
Mr. Joseph was very professional and knows what he is doing.He is very knowledgeable about the needs of the customers and takes time to explain for your understanding.He is very quick in responding to emails and questions.Thank you for your assistance.
Daniel Otu-Jireh
18:38 01 Sep 25
Love dealing with Fearnow, they take care of all my insurance needs. Thank you Joe!
Garrett Norris
18:08 29 Aug 25
I would give our agent, Jean Rodriguez at 5 Stars for sure! She is very knowledgeable about our coverage and always very helpful in answering questions when I have them. She is quick to respond to phone calls and emails! Would highly recommend her for your insurance needs!
Christina Wyant
19:03 28 Aug 25

 

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Most auto policies are for six months to a year. Your insurance carrier will notify you by mail when it’s time to renew the policy and to pay your premium.

An auto insurance policy is comprised of six different kinds of coverage: Bodily Injury, Personal Injury Protection (Medical Payments), Property Damage Liability, Collision, Comprehensive, and Underinsured/Uninsured Motorist Coverage. Each coverage is priced separately.

1. Bodily Injury

This coverage applies to injuries that you or an approved driver cause to someone else while driving a covered vehicle. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough Liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Personal Injury Protection (PIP) or Medical Payments

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs. The State of Florida requires all drivers to have at least $10,000 coverage in Personal Injury Protection. Many carriers will also allow you to purchase additional Medical Payment coverage.

3. Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings, or other structures your car hits. The State of Florida requires all drivers to have at least $10,000 coverage in Property Damage Liability, but additional coverage can be purchased.

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4. Collision

This coverage pays for damage to your car resulting from a collision with another car, object, or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000 – the higher your deductible, the lower your premium. Even if you are at fault for the accident, your Collision coverage will reimburse you for the cost of repairing your car, minus the deductible. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you will also be reimbursed for the deductible.

5. Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals, such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. The State of Florida requires auto insurance carriers to repair or replace damaged windshields with zero deductible (essentially, for free) under Florida Statute 627.7288. If you opt-out of this coverage, however, you will be responsible for the full cost to repair or replace your windshield.

Florida does not require that you to purchase Collision or Comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off. In addition, these coverages are recommended for the protection they offer against the cost of repairs.

6. Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or a hit-and-run driver.

If the driver of the other vehicle only carries the minimum required insurance, the $10,000 Property Damage Liability coverage may not be enough to replace your vehicle if it is totaled in the accident. Underinsured Motorist coverage will help bridge the gap between the other driver’s insurance coverage and the damage to your vehicle.

Information on Florida Car Insurance

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