- 833-WAYNEFL (833.929.6335)
- wayne.lucas@johngaltinsurance.com
- Mon - Fri: 8:00am - 6:00pm
Menu
Save time & money with John Galt Insurance.
AUTO INSURANCE
You never know when an accident may happen. That’s why it’s important to make sure you have the right coverages. As you may know, Florida Auto Insurance rates are much higher than any other state! That’s because of the amount of accidents and uninsured drivers there are in Florida. Since your car is a valuable item, we will do all the hard work to make sure it’s protected.
Let John Galt Insurance shop your car insurance policy so we can find the best one that matches your exact needs. With our wide range of auto insurance providers that we work with, we ensure that you not only get the coverage you need but you also have the independence to choose the carrier you want to go with to ensure you get the best rates possible!
That’s why you can rely on us at John Galt Insurance. Contact us today to get started on your personalized auto quote.
CALL JOHN GALT
INSURANCE TODAY!
John Galt Insurance is a Florida Independent Insurance Agency which means you have the power to choose! Most importantly, you get the benefits from making smart choices when it comes to the coverages you need to fully protect your most valuable items. That’s why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, We work for you and not the insurance carriers.
With our network of top rated Insurance Carriers in Florida paired with our knowledge and expertise in Florida Auto Insurance, you can rest assured we can take care of all your insurance needs.
START YOUR PERSONALIZED QUOTE WITH JOHN GALT INSURANCE
Complete the form below to request a quote.
COVERAGES
The many potential consequences can be significant if you aren’t properly covered with your Florida Auto Insurance policy. If you’re found to be at fault of an accident and the other driver suffers an injury to their person or property, you can be held personally liable for the entire cost. On top of that, you could also lose your driving privileges until the entire cost of the damages has been paid.
Bodily Injury Liability Coverage covers injuries to others caused by the policyholder while operating an automobile. Protection for when medical bills go into the tens or hundreds of thousands from one single accident you caused.
A covered accident may result in physical damage to someone else’s property. Having the right Property Damage Liability policy can help save you thousands.
This coverage protects you in the event you are in an auto accident and your injuries were caused by an underinsured or uninsured driver.
Gap Coverage covers the difference between the actual cash value (ACV) of the vehicle and your loan payoff amount. If you have a loan on your vehicle and it becomes totaled in an accident, you will be able to pay off that loan with Gap Coverage
If your vehicle is involved in a covered accident, Rental Car Reimbursement provides payment for a rental car.
Medical Payment Coverage covers your medical costs that are not covered by PIP.
Comprehensive Coverage is a required by lienholders and leasing companies. This coverage is vital as it pays for physical damage to your vehicle caused by an event other than collision.
Collision Insurance protects yourself whether you are in a collision when the other driver has no insurance or the accident is your fault. This is an important coverage as it pays for physical damage to your vehicle if you are involved in a covered accident and is also required by Lienholders and Leasing Companies.
You have questions, we have answers!
Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your auto insurance policy. Typically, your policy also protects other licensed drivers not listed on your policy who occasionally drive your car, such as:
Generally, auto insurance premiums do tend to be lowered once a driver has turned the age of 25. Auto Insurance Carriers generally consider a variety of information about you. This includes your age, vehicle information and claim history. However, while premiums do tend to go down when you turn 25, the decrease in your premium is typically very minimal.
There are many factors that can effect your auto insurance rates. These factors are both within your control and beyond your control.
Here are some things that may effect your insurance premiums:
Collision Coverage includes losses incurred from striking another vehicle or object with yours, such as hitting a car in a parking lot. Comprehensive Coverage includes loss from theft, falling trees, fire, or weather-related elements.
Florida No-Fault law means that all drivers in Florida must carry Personal Injury Protection Insurance (PIP) to pay for their medical expenses and other accident-related damages, regardless of who caused the collision. The required limits of insurance in Florida are $10,000 of Personal Injury Protection and $10,000 in Property Damage Liability
Eligible injured parties are entitled to reimbursement of 60% of their verifiable wages, 80% of reasonable and necessary medical expenses, and $5000 death benefit incurred as a result of a covered auto accident.
Your auto insurance policy may not be cover items stolen from your car. However, your Renters Insurance or Homeowners Insurance often covers such losses. Typically, auto insurance only covers items stolen that are permanently installed by the auto manufacturer. It’s important to know all your coverage details, give us a call today and we can make sure you are properly insured.
Sign up for our newsletter to stay up to date on the current insurance trends, products and features. Be the first to know!
© Copyright 2022 – 2024 John Galt Insurance. All Rights Reserved
