Auto Insurance2021-10-11T12:58:56-04:00

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:

I requested a Homeowners Insurance quote online and my agent Taunya contacted me and within minutes I had a brand new policy with a nearly 40% decrease in premium from my existing Insurance Company. Taunya was professional, knowledgeable, patient and efficient. She exceeded my expectations and made the process seamless and effortless. I would highly recommend Fearnow Insurance to my friends and family without hesitation! Thank you again for such a wonderful experience:)
Dorothy Aiken
00:11 13 Nov 21
Joe with Fearnow was great. Got us a great rate on auto and home. We are saving just over $100 a month just in our auto from our previous carrier USAA. Everything was done by phone and electronic. Fast service, seamless communication, great value. If you want to save money, highly recommend calling Joe for all your insurance needs!
KB T
17:26 05 Nov 21
I work with Lydia Bobek on my homeowners insurance that had unexpectedly been canceled. She was quick to respond and help me secure a new policy in just a few quick hours. Excellent customer service!
Samson Lewis
21:31 28 Oct 21
Want to talk about jumping through hoops? Joseph Boyle was fantastic in writing my mother's homeowner's policy in what I feel must have been a record time. It was my fault for waiting to the last minute, but he took it by the reins, delivered what I feel are excellent coverages at a fair price, and BAM we were done. Very very happy.
Matt Vance
23:38 18 Oct 21
This is a great insurance agency as they really have the customer's best interest in mind. Michelle saved me from purchasing an unnecessary policy that a company was requiring me to obtain. I can't thank her enough!
Dawn Mangon
00:38 16 Oct 21
We have been buying insurance for 63 years. Joe Boyle is the best agent we have ever dealt with. Joe will work with you to determine what you need and find it for you. When you agree that Joe has found exactly what you want he will take care of everything needed to put your policy in force!!
Carolyn Toebes
18:21 13 Oct 21
Austin Buchanan helped me with my auto, homeowners and life insurance policies. He was knowledgeable, friendly, and efficient. I appreciate how quickly he got back to me with my documents. Thank you for a great experience!
Jenny Lindsey
22:22 09 Oct 21
Awesome experience, Brian helped get a quote and go over and refine what was needed for my business. In less than a week I had coverage.
Nick Cooper
16:13 30 Sep 21
Professional, communicative and actually seem to care about their clients. Michelle was so patient with my malarkey, I owe you an Edible Arrangement, M-Dawg.
Nick Van Nuil
13:35 28 Sep 21
Great service, very responsive, Michelle has been an excellent person to do business with.
Jim Walters
12:35 24 Sep 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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