Auto Insurance2021-08-27T13:16:15-04:00

Auto Insurance Quotes

Auto Insurance Quotes

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Quotes from 100+ Carriers:

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:

Filled out basic information on their website and within hour or so had email from one of the agent (Joe). We talked about needs to quickly act on a Home insurance policy that was being cancelled by a company abruptly. I had two days to find new policy as my other agent I have been dealing with couldn't get me a decent price. Joe was able to help me out with a couple of options. I appreciate his professionalism and his urgency to help me out before the old policy expired in 2 days.
Mo Rashid
17:07 17 Sep 21
Joe Boyle was excellent in a every way. Typically, the responsiveness of some companies is slow, but Joe was quick. He was so fast at responding to my requests that it took me almost twice as long to reply back. His customer service over the phone, text and email was outstanding. I could not have asked for a better representative. Thanks Joe!
Michael P
13:57 03 Sep 21
Robbie did an amazing job. Answered every question and provided everything I needed in a timely and professional manner. I highly recommend Fearnow. Insurance.
John Thoma
15:24 26 Aug 21
Tracy is Very friendly professional and helpful great insurance company
sandra Prince
13:09 23 Aug 21
Joe Boyd excelled in getting our home reinsured after a cancellation of our homeowners Insurance by our previous company !!! Great competitive rates …. Thank you so very much Mr Boyd!!!!
Bruce Weckman
21:11 09 Aug 21
Big thanks to Joseph on getting my rental insurance set up. Smooth process and easy to follow along with.
Ty Smith
20:43 06 Aug 21
Matt from Fearnow really helped my wife & I out and worked hard to accommodate our urgent request for a home & flood quote. Ultimately, he ended up saving us thousands of dollars by being able to quote with tons of different carriers versus the quotes we were getting directly from captive insurance companies. We very much would recommend Fearnow Insurance!
Kyle Kramer
19:37 04 Aug 21
I am a "people do business with people" person and that's exactly what I get with "Jean." I have been dealing directly with her for all of my insurance needs for many years and she makes sure I am well taken care of. Her expertise has been very helpful when it comes to difficult coverages, as well.. Jean has always gone the extra mile for me! Ergo, why I remain with Fearnow Insurance.
Bill Julian
20:50 23 Jul 21
Outstanding customer service ! I highly recommend Lydia. She was very professional, knowledgeable and courteous. She was able to solve a very stressful issue for my parents home insurance within ONE day . She got the job done right away, the entire process was painless. I couldn’t have asked for a better agent. Thank you Lydia. My parents and I are very grateful for your hard work.
Jamarie
16:06 23 Jul 21
Tanya was great with helping me get my vehicles insured.
Bakor Rivers
15:42 21 Jul 21

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.

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