Buying Auto Insurance


The most important decision you can make to protect you and your family is the type of insurance you purchase. In Florida, it is an absolute necessity that you purchase uninsured motorist protection due to the high percentage of uninsured drivers in Florida.

Below is a chart of my recommendations for purchasing auto insurance.

Recommended Insurance Policy Limits*

  PIP Deductible Property Damage Liability Medical Payments Coverage Uninsured Motorist Protection**
Bad $1,000 $10,000 $0 $0
Acceptable $0 $10,000 $1,000 $10,000 / $20,000
Good $0 $10,000 $5,000 $25,000 / $50,000
Better $0 $10,000 $5,000 $50,000 / $100,000
Preferable $0 $25,000 $10,000 $100,000 / $300,000
Excellent $0 $100,000 $25,000 $250,000 / $500,000

*Add Comprehensive and Collision coverages if you want to insure you car for theft, vandalism, or damage from an accident. Also recommended: rental car reimbursement coverage.

**Choose “stacking” type coverage over “non-stacking” for additional protection.