Auto Insurance Brandon Florida

Need a competitive auto rate for your vehicle? All Insurance Group has worked in the auto insurance industry for over 50 years. We know how to deliver a premium policy that you can rely on.

With us, you’ll get a real agent helping you, not those automated machines that malfunction all the time. With All Insurance Group, you get premium car insurance policies in Brandon, Florida and an agent you can rely on.

Take a look at the wide array of insurance solutions we offer below and give us a call or submit a request for a free, no obligation rate quote.

Standard Auto Insurance

Florida law requires all drivers to carry, at a minimum, the following vehicle insurance coverages:

$10,000

Personal Injury Protection

$10,000

Property Damage Liability

The minimum Florida insurance requirements can leave many drivers open to financial distress if the minimum is all they opt to elect to cover and they find themselves in a car accident. Additional coverages are available to help extend your protection for medical expenses, liability, and property damage. While Florida mandates that all active drivers with a registered vehicle have some form of insurance coverage, it is also one of the top states in the nation for uninsured drivers. Electing additional coverages for medical and property are highly recommended as well as Uninsured/Underinsured car insurance coverage to help afford you the most protection should an unfortunate event occur.

Liability Coverage

Minimum state requirements for liability insurance often isn’t enough to provide adequate coverage after an auto accident. Policyholders can elect for additional coverage options or raise their coverage level above the minimum.

Bodily Injury Liability: If you are at fault for the accident, this type of car insurance helps cover the costs of the other party’s personal injuries. While the other driver should have Personal Injury Protect (PIP), this added coverage helps protect you against financial liability if their PIP insurance isn’t enough to cover the cost of medical treatment for their car accident injuries.

Property Damage Liability: This type of auto insurance coverage option helps pay for the damages to another person’s property after a collision, including damages to their vehicle.

Collision Coverage

Whether you hit another vehicle, fence, or an object, collision auto insurance provides coverage for your vehicle. Collision coverage will pay for the cost of repairs to your vehicle—minus the cost of your deductible. Should the cost of repairs exceed the value of your car, collision coverage will pay you the actual cash value of your vehicle, minus your collision deductible.

Comprehensive Coverage

Comprehensive helps provide coverage against damages to your car from other perils such as fire, theft, or vandalism. In addition, comprehensive also extends coverage to collisions with an animal. Comprehensive car insurance, like collision, also has its own deductible limits. Repairs are covered after your deductible, or if your vehicle is totaled, then the cost of replacing your vehicle (up to its actual cash value) is paid after the deductible.

Comprehensive car insurance is also the coverage that Florida residents would use to have their windshield replaced or repaired for free—no deductible to worry about for this particular type of comprehensive insurance claim.

Medical Payments Coverage

While Personal Injury Protect (PIP) will cover up to $10,000 for your accident related medical costs, having additional medical coverage under your car insurance can help reduce your own potential costs for treatment that exceeds $10k and the cost of liability for medical expenses for your passengers or family members driving your car.

Uninsured & Underinsured Coverage

It is possible to encounter another driver who has only the minimum of coverages, coverage limits that are not enough for the damages accrued in a car accident, or are not insured at all. This type of policy helps extend your policy to help cover your damages and medical costs when the other driver does not have any car insurance or does not have high enough car insurance to cover their total liability.

Additional Florida Vehicle & Vessel Insurance 

Classic Car Insurance

Classic cars are a unique vehicle to insure—they are often not regular commuters and hold a very high value. As a result, like any asset of value, classic cars should be insured to avoid a tragic loss of time and money.

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RV/Travel Trailer Insurance

RV owners must also carry a minimum level of coverage before hitting the road if the RV is drivable. In the state of Florida, motorhome (Class A and B) insurance requirements are: $10,000 minimal coverage for both Personal Injury Protection and Property Damage Liability. Class C, or towable RVs, are not required to have separate insurance coverage. Travel trailers and tow-behind RVs are considered an extension of your vehicle and are covered under your auto policy—however, your coverage for collision repairs or liability can be limited if your car insurance policy only includes the minimum state required insurance.

However, if there was any type of vehicle that should carry more than the minimum coverage, it is the vehicle that can double as your home and often holds many of your belongings while traveling, regardless of whether you tow it or drive it.

Those who use their RVs regularly know that having additional coverage for damage to their motorhome, even while parked at a camp site, provides extensive peace of mind. Additional coverage for RV/Motorhome insurance can be added to your policy for liability, collision, comprehensive, as well as vacation or travel insurance—and full-time coverage if you live in your motorhome year-round.

Motorcycle Insurance

Motorcycles are used by more than 570,000 Florida residents, and Florida insurance laws for motorcyclists can be more complex than those for vehicular drivers. Helmets are optional—if the rider is over the age of 21 and has $10,000 medical coverage or more (on a motorcycle policy). Riders under 21, regardless of insurance coverage must wear a helmet and protective eye wear is mandatory for all motorcyclists. Failure to follow these rules could interfere with coverage if you are in an accident.

Motorcycle Insurance

In addition, motorcycle insurance is not required before registering your bike (unlike when registering a car)—and if you plan to wear always helmet (and are over 21) you, technically, don’t have to carry motorcycle insurance. However, insurance isn’t elected only because it is mandatory, it is elected to help protect against liability, damages, and injuries in the event of an accident. In addition, should you be determined to be at fault for an accident, insurance coverage will become mandatory to carry in the future.

Like auto insurance, motorcycle insurance coverage options are similar. Motorcyclists can elect varying coverage levels for collision, medical costs, property damage, and liability. Aside from injury and property damage risks, motorcyclists also are at risk for theft, vandalism, and other damage to their bike or personal belongings. Comprehensive coverage for your motorcycle can help extend your coverage to replace items items like your helmet, riding gear, or other belongings stored in your saddlebags (or your pocket) while you are riding.

Watercraft Recreational Insurance

Watercraft/Recreational Insurance

Florida law does not require the owner to carry any form of insurance on their boat, jet ski, or other watercraft/vessel. As with any form of insurance, you aren’t just getting it because you have to—you are getting it to reduce your liability and out of pocket expense (or loss) should something happen to yourself or your vessel while engaging in an activity or covered event.

Boat and watercraft insurance policies are often written to include coverage for liability of the operator, damage to the vessel or personal property on board, medical expenses of passengers and other parties, and property damage to other parties. Additionally, recreational and watercraft insurance polices can include coverage for expenses relating to towing or ruined trip plans.

Important Note: Mandatory insurance requirements listed do not take into account restrictions and requirements set by lenders. If you lease or are making payments on your vehicle, you may be required to carry coverages and limits beyond what the state of Florida has set.

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