Deltona Car Insurance

Deltona, part of the greater Orlando metropolitan area, is growing at an amazing rate. In the years between 2000 and 2010, when the last census was taken, the city's population has grown by over 22%. Insurance is important to these new residents of the area to protect them from disasters as well as everyday occurrences on the highways of Florida.

Automobile insurance is a substantial portion of household budgets for most households and careful shopping for this type of insurance is important to all. Compare car insurance rates now by using our FREE tool above!

No-Fault or PIP Insurance

Florida requires drivers to purchase no-fault insurance, also referred to as PIP instead of standard liability insurance. Because of this, you need to understand the ramifications of no-fault insurance.

Usually insurance purchased is based upon an adversarial attitude toward law. This means that, if you are involved in an accident, payment for injuries and property damage is based on the idea that the insurance company for the person at fault pays the costs of the accident.

If the insurance is not adequate, parties to the accident sue to obtain relief.

In the case of no-fault insurance, drivers carry insurance covering themselves and their families and the insurance responds to pay for injuries to the driver and their family resulting from an accident, no matter who is at fault.

Minimum Limits for No-Fault Personal Injury Protection in Florida

This coverage is mandatory in the State of Florida, but you should consider purchasing additional insurance to protect yourself in the event that the limits carried do not adequately cover your liability. No-fault coverage responds first in an insurance claim, but you may be liable for additional damages. The laws in Florida are, at present, in a state of flux.

• $10,000 per person for loss resulting from bodily injury, sickness, or disease resulting from a motor vehicle – if determined necessary by an agreed-upon medical professional for emergency medical treatment
• $2,500 per person for bodily injury, sickness or disease resulting from a motor vehicle – for a non-emergency medical treatment
• Disability benefits – which, combined with medical benefits, cannot exceed $10,000
• $5,000 per individual for death benefits

Suggested Liability Limits to be purchased

• Bodily Injury - $50,000 per person/$100,000 per accident
• Property Damage - $100,000
• Personal Injury Protection - $10,000 – no deductible
• Medical Payments - $5,000
• Uninsured Motorists - $50,000/$100,000 (non-stacked)

Coverage for Damage to your Automobile

• Comprehensive Coverage: $250 deductible per occurrence – This covers things other than collision such as: theft, fire, vandalism, weather, falling objects, and animal damage
• Collision Coverage: $500 deductible per occurrence – This covers collision with another automobile or object.

Since most of us have loans on our automobiles as well as a substantial amount of money invested in the vehicle, it is wise to protect yourself from damage to your valuable asset.

Getting Quotations for Auto Insurance in Deltona

Florida has a high incidence of automobile insurance fraud, so you should take measures to protect yourself. Agents and companies in the state must be licensed to sell insurance in the state. You can check licensing by going to the state website. Here are a few steps to take to obtain quotations for auto insurance:

• Research agents and companies by asking friends, co-workers, and acquaintances about their experiences
• Examine financial reports and complaint reports both on the Florida website and the National Association of Insurance Commissioners (NAIC) site.
• Financial Status of insurance companies can be obtained from A.M.Best, a financial rating firm as well as Standard and Poor's
• Take time to examine the rate comparison tools offered by the State of Florida.

Data to Prepare before Asking for a Quotation

• Names, dates of birth, and drivers license numbers for all drivers
• Driving records and claim records for drivers
• Make, model, and VIN number for automobiles
• Previous insurance company and dates of insurance – you may have to provide proof of insurance
• Certificates of completion for driving skills courses and driver's education courses
• Coverage you plan to obtain

Ways to Saving Money on Car Insurance

• Keep your driving record clear by obeying traffic laws and avoiding accidents
• If Defensive Driving Courses are available, take them – especially if you are over 65
• Insure both car and home with the same insurance company to take advantage of discounts
• Purchase cars with protective devices such as anti-theft devices, airbags, and anti-lock brakes
• Investigate to determine if you are eligible for a discount for belonging to certain organizations or professions
• Examine your deductibles carefully, because a larger deductible can reduce your premiums. Be cautious to make sure that the deductibles are affordable.
• Take care of your credit report and examine it at least yearly because insurance premiums are somewhat based upon your credit score.

The Bottom Line on Car Insurance

Recognize that there is not anything wrong with saving money on car insurance. The final proof of automobile insurance, though, is when you need it. That is the main reason that you do the work of research before getting quotations for coverage.

A reliable insurance company and agent will make claims go more smoothly. To make sure you get the best rates, try using a comparison tool to compare prices and companies. Enter your zip code in our FREE tool below to compare car insurance rates now!