Auto Insurance2022-02-01T10:55:39-05:00

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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:

Great customer service and Agent Matt Wink was awesome. He was patient and explained everything I need to know about Auto Ins.
Patricia Nelson
13:34 04 May 22
This review is in regards to Mr. Joseph Boyle, Jr and his excellent work ethic, professionalism, dedication, and enthusiasm when helping us search and purchase homeowner's insurance. I know that Mr. Boyle's services are in high demand, yet he managed to make us feel like we were his only clients. He is always prompt, courteous and extremely knowledgeable while displaying a humility that only comes with experience. He helped us navigate several challenging situations when purchasing homeowner's insurance. In addition, he not only met, but exceeded all of our expectations. I can confidently say that my family will have a roof over their heads due to Mr. Boyle's ability to deliver on his promises. Fearnow is extremely lucky to have Mr. Joseph Boyle, Jr. We will refer him to ALL of our friends when they are ready to purchase. Thanks Joe!!!!!
Rawan Shawar
13:31 29 Apr 22
Joseph Boyle was excellent to work with and very competent when I changed Insurance companies. He was able to save me money and transfer went smoothly. It was nice to work with someone that knows his job and goes all the way to help you.
Linda Phillips
22:21 27 Apr 22
Great service. Quick response. Will definitely recommend to others.
Larisa Mironov
01:14 21 Apr 22
I want to thank Joseph A Boyle Jr for his professional support in obtaining home owners and automobile insurance for us. He worked with us selecting the best fit for our requirements, saved us a considerable amount of money.I would recommend you contact Joseph and at least give him an opportunity to quote your insurance. I’m quite sure he will save you money.Thank you Joe!!Respectfully
Gary Reighard
22:08 19 Apr 22
A friend has insurance with Joe and said to give him a call. Joe was very professional and willing to take the time to explain new options and found me new homeowners insurance which saved me over $300 a year. To top it off, Joe also took the time to research and found me car insurance with a highly reputable company which again, saved me over $300 a year from my current company. Great communication!!! Got back to me quickly to answer all of my questions. Makes you feel important and not just a number. A+++
Jeff Downes
21:41 19 Apr 22
Awesome service by Joe Boyle. Thank you for all you do.Look forward to working with you.
Melissa Barnes
20:09 19 Apr 22
I appreciated their very quick response to my online request for a quote as we needed to find a new homeowners policy soon because of the closing of our previous insurance company. Mr. Boyle was very courteous, helpful and answered all of my questions.
Venetia Coles
15:39 14 Apr 22
I used Fearnow Insurance to obtain homeowners insurance. Everyone was very responsive. Joseph guided us through the process and responded to all of our questions very quickly and thoroughly. He was kind, professional, and handled everything expertly. I will definitely use them again.
Jon Blackwell
21:38 13 Apr 22
I had the pleasure of working with Joseph Boyle. It was very last minute and he went above and beyond. I am so happy I got to work with him. Thank you so much Joseph for your hard work in getting us the insurance so quickly. I will definitely refer you to everyone.
Graziella Dumicich
20:04 12 Apr 22

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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