Best Local Car Insurance Agencies in Clearwater

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Do you have to buy car insurance before registering your vehicle in Clearwater?

  Yes, even before registering your vehicle with at least four wheels in Clearwater, you must have Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance, which you must present as proof of registration. Make certain that you purchase your insurance policy from a company that is authorized to do business in Florida.

• How much is the required minimum auto insurance coverage in Clearwater?

  In Clearwater, the minimum required auto insurance coverage is PIP worth $10,000 per person, per accident, and PDL worth $10,000 per accident. Because these mandatory minimums may not be sufficient in some situations, you should consider purchasing additional coverage, such as uninsured or underinsured motorist coverage (UM), bodily injury liability (BIL), and comprehensive and collision coverage.

• Can you cancel your auto insurance if you are moving out of Clearwater and to another state?

  Do not cancel your auto insurance in Clearwater until you have successfully registered your vehicle in the state where you are moving. In addition, you must turn in all valid plates or registrations to a Florida driver's license and motor vehicle service center or a tax collector's office. You should also ask your insurance company if they can change your coverage to your current state of residence once you have changed your registration.

• Will you go to jail if you fail to maintain the required auto insurance coverage in Clearwater?

  No, you will not go to jail if you do not maintain the required auto insurance coverage in Clearwater. However, you could still face serious consequences, such as losing your driver's license or registration for up to three years. You will also be charged a reinstatement fee of up to $500.

• Will you get better car insurance rates in Clearwater if you have a good credit score?

  If you have good credit, you have a better chance of getting lower Clearwater car insurance rates because insurance companies consider people with good credit to be more responsible with money and less likely to file insurance claims. The value of your car and your driving record are two other factors that can influence your auto insurance rate.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.