Auto Insurance

Auto Insurance in Florida

Proudly serving Wesley Chapel, Tampa, Clearwater, St. Petersburg, Orlando, and surrounding areas

Florida’s 15 million drivers travel an estimated 220 billion miles per year, which equals more than 14,000 miles per driver. No matter how far you go from home, you have to do so safely. That means realizing that you’ll face accident risks wherever you go.

Florida recorded more than 400,000 car crashes in 2018, and more than 7,000 (about 19 per day) occurred here in Pasco County. Though you can’t avoid every driving risk, you can take a big step to protecting yourself by getting quality car insurance. Our mission here at Florida Heritage Insurance is to help you get that coverage.

Choose Us for A Wide Selection of Car Insurance Policies

As an independent agency, Florida Heritage Insurance is not obligated to sell just the policies of one insurance provider. We have the freedom to research and compare the policies of multiple carriers to find the one that is optimized for both your needs and your budget. We are able to insure a wide range of vehicles and drivers, including high-risk drivers.

To get your car insurance solution quickly and easily, call us at 813-803-7767 or request your free quote right now. We’ll get right onto the search so that you don’t have to wait.

Common Car Insurance Question

How does car insurance work in Florida?

Car insurance is designed to help drivers pay for the costs that might arise following car wrecks, vehicle theft or other hazards that damage or destroy a vehicle. Once they have a policy, the insured driver can file a claim against their policy if they ever have an accident. The policy will then agree to reimburse them for certain costs that might arise. 

There are many types of coverage that you might need to carry. Some are optional, others are not. The more coverage you buy, the better assistance you might be able to receive following  an accident.

What car insurance am I required to carry?

Florida requires all registered drivers to carry the following auto insurance:

• $10,000 No-Fault Personal Injury Protection (PIP Coverage)

As a no-fault insurance state, Florida requires drivers to file against their PIP coverage for the first $10,000 worth of injury costs, lost income and related accident losses. Regardless of whose fault the accident is, this coverage pays you first.

• $10,000 Property Damage Liability (PDL) Insurance
  

Florida’s no-fault laws do not apply to property damage. So, if an accident is your fault, then other people can file against your PDL insurance for their vehicle repairs or other property damage.

Can I buy other coverage?

Once you register your car in Florida, you must always have the minimum PIP & PDL auto insurance limits on any policy you buy. However, you can buy expanded coverage that can provide additional benefits.

• Drivers can choose to increase their PIP and PDL coverage limits to higher levels.

• To cover your own car against accident damage, add collision coverage to your policy. 

• If you want coverage from vehicle damage from fires, theft, vandalism or severe weather, then buy comprehensive damage coverage alongside your collision insurance.

• If an accident is your fault, and other people who are not riding in your vehicle are injured, then bodily injury liability insurance can help pay for those parties’ medical costs.

• If you finance or lease your vehicle, then your bank might require you to buy collision, comprehensive and or gap insurance.A gap policypays the difference between the value of your loan and the settlement you receive from your insurer if your car is a total loss.

If you own specialty vehicles such as an RV, Commercial Vehicle Motorcycle, Slingshot, Can-AM or Trike then you will need separate coverage. Click below to get coverage for your: