Auto Insurance in St Petersburg, FL
One of the most important financial decisions a car owner can make is to invest in auto insurance. This policy may provide essential funds in case of accidents, damage and other mishaps involving your vehicle.
What Does Auto Insurance Cover? 
Standard auto insurance policies often include coverage for the following:
- Bodily injury liability may cover injuries you cause to others.
- Property damage liability may pay for damage you caused to others’ property.
- Collision coverage may reimburse your vehicle’s repair or replacement costs after an accident.
- Comprehensive coverage may provide financial aid after events unrelated to a collision, including theft, vandalism and weather damage.
- Uninsured/underinsured motorist coverage may cover medical expenses, lost wages and other damages from drivers without adequate insurance.
- Medical payments coverage may help pay for minor medical expenses after an accident, regardless of fault.
How Much Auto Insurance Do I Need?
Determining how much auto insurance you need involves considering several factors. Consider these tips before deciding on coverage:
- Assess your assets (home, savings, investments)
- Consider your regular driving habits and environment
- Evaluate your risk tolerance
- Calculate the potential costs of serious accidents
Keep in mind that state minimum requirements rarely provide sufficient coverage for serious accidents. Higher liability limits typically cost a fraction more than minimum coverage but may offer better financial protection against lawsuits and substantial claims.
What Factors Contribute to Rates?
Insurance companies analyze numerous factors when calculating premiums. These include the following:
- Driving record
- Driver’s age and other demographic factors
- Vehicle type, age and safety features
- Geographic location and typical driving areas
- Credit history
- Annual mileage
- Prior insurance history
- Deductibles and coverage limits
Find Auto Insurance Agents Near You
Contact Zirkle Insurance and Financial Services today for a personalized review of your auto insurance needs. Our team can discuss your options and get optimal coverage without unnecessary costs.