Auto Insurance

Affordable Auto Insurance for Educators

As long as you have a registered driver’s license and vehicle in Florida, you’re required to carry auto insurance. But really, you wouldn’t want to be caught without auto insurance anyway. 

You never know when an accident might strike. When the worst happens, you want to know that your family is protected. 

If you’re looking to auto insurance in Polk County FL or auto insurance in Lakeland FL, we can help. If you’re an educator, we can even offer you exclusive deals, just for being an educator. 

Here are some of the coverage options available to you under our plans. 

What Does Auto Insurance Cover?

Auto insurance is a contract between you and your insurance company to protect you against financial losses. 

Let’s say you’re driving down the street. Then, suddenly, some kids run into the street. You’re driving at a reasonable speed, so you swerve to avoid hitting them. You don’t hit them, but you do hit a tree. Both you and your car are in bad shape. 

When something like this happens, your insurance company will pay for your losses as outlined in your policy. Auto insurance generally covers six key areas: 

  1. Liability
  2. Uninsured vehicle coverage
  3. Underinsured vehicle coverage
  4. Personal injury protection
  5. Collision coverage
  6. Comprehensive coverage

Auto insurance does NOT cover the cost of repairing your car. But for everything else, auto insurance has your back. 

Liability Coverage

Liability coverage addresses your legal responsibility to others as a result of an accident. Basically, liability insurance pays for damage and injuries you cause in a car accident. 

There are two types of compensation under liability coverage: 

  1. Bodily injury
  2. Property damage

You and family members living in your home are covered under the policy, whether you’re driving your car or you’re driving another person’s car with their permission. 

It covers a variety of losses, including medical care, property damage, injuries, death, and even legal representation (up to a fixed dollar amount defined in your policy). 

Uninsured and Underinsured Motor Vehicle Coverage

Uninsured and underinsured motor vehicle coverage works hand-in-hand with personal injury protection (PIP). 

Since Florida is a no-fault state, all drivers are required to purchase auto insurance with no-fault coverage. This means that anyone involved in an accident can file a claim with their insurance company, regardless of who was at fault. 

Uninsured and underinsured coverage protects you if you happen to get in an accident with a driver who is uninsured or underinsured, since the other driver won’t be able to recover those losses for you. 

Personal Injury Protection

Florida is a no-fault state, which means that every driver involved in an accident is required to file a claim with their insurance company regardless of who was at fault. This is why all Florida drivers are required to purchase personal injury protection (PIP) as part of their auto insurance policy. 

This is good news for Florida drivers for two reasons: 

  1. You cannot be sued for an accident unless certain thresholds for severe injury are met
  2. You receive coverage regardless of who was at fault

PIP protects you and your resident relatives by covering medical expenses related to an auto accident, including: 

  • Medical, surgical, and dental treatment
  • Hospital care and nursing
  • Ambulance
  • Eyeglasses
  • Funeral

You may get additional coverage under PIP to provide for loss of income and services as a result of an auto accident. It also covers you if you were a pedestrian or bicyclist injured by a vehicle, or if your children were injured on a school bus. 

Collision Coverage

Most people also get collision coverage under their auto insurance policy, since it’s one of the most obvious hazards of the road. 

It’s exactly what it sounds like–protection against financial losses if your car is damaged after colliding with another vehicle or object. It will even offer coverage if you’re at fault. 

And if you have a daredevil young driver in your household, that offers serious peace of mind. 

Comprehensive Coverage

Of course, not all auto accidents are the result of a collision. The truth is, when you’re driving a large, heavy metal object at high speeds around other high-speed heavy objects, you’re facing a lot of risks. 

This is where comprehensive coverage kicks in. It covers you for damages incurred to your vehicle as a result of non-collision events. This includes things like: 

  • Weather damage
  • Theft
  • Vandalism
  • Fire
  • Flood
  • Falling trees

Comprehensive coverage even protects your car if you get hit by an asteroid! Sure, it’s not your average accident, but if you’re having incredible bad luck, it’s good to know that your insurance has your back. 

Discounts on Auto Insurance Polk County FL and Lakeland FL

We know the role that educators play in the community. That’s why we’re here to provide the best auto insurance in Polk County Fl and the best auto insurance in Lakeland FL for educators just like you. 

Even if you’re not an educator, we offer plenty of options to make your coverage more affordable. We currently offer discounts for: 

  • Educators
  • Homeowners
  • School payroll (where available)
  • NEA, FASA, and Coach’s Association
  • Good students
  • Driver training

Why? Because we know that when it comes to your family, you shouldn’t have to settle for insufficient coverage just because it’s in your price range.

Do you have a question?

Let our knowledgeable staff guide you to the right path.