Best Local Car Insurance Agencies in Tampa

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.
  

• Who is advised to acquire full coverage of car insurance in Tampa?

  In Tampa, drivers with new or leased automotives are advised to obtain full coverage car insurance to protect their investment. Individuals with luxury or high-value vehicles can secure full insurance coverage to finance the cost of replacement and repairs. In addition, it is beneficial for those living in an area with risky driving conditions, such as catastrophic weather, street parking, and high crime rates, to have full coverage of car insurance policies.

• Are teenage drivers in Tampa required to carry auto insurance coverage?

  Yes, drivers in Tampa, including teenagers and senior adults, must carry auto insurance coverage, with a minimum of $10,000 worth of property damage liability and $10,000 value of personal injury protection before hitting the road. However, parents can avail lower than the minimum if their teenager only drives to school and back. They can also qualify for discounts if the minor has an outstanding student record and a good driving history.

• What are the consequences of failing to keep registered car insurance policies in Tampa?

  Individuals who fail to keep their registered car insurance coverage in Tampa may face driving license suspension, including registration and vehicle tag, for not over three years. They also have a penalty to pay between $150 and $500 to reinstate their suspended licenses and must provide proof of insurance to the Department of Highway Safety and Motor Vehicles.

• Should drivers cancel their auto insurance coverage in Tampa if they move out of state?

  No, drivers moving out of Tampa must not terminate their auto insurance coverage until they register their car in their new state. However, they can still keep their insurance agency if they change the coverage to their new residence. Relocating individuals must also yield their registrations and plate numbers to the Motor Vehicle Centers before canceling their car insurance policies. The facilities are at 3011 University Center Drive Suite, #150 Tampa, FL 33612, or 1701 N. Westshore Blvd. Tampa, FL 33607.

• How do insurers determine the cost of car insurance coverage in Tampa?

  Insurers consider various factors, like marital status, gender, and zip code, to calculate how much an individual pays for their car insurance policies in Tampa. The applicant's age can also play a huge role in determining insurance premiums, as those with extensive driving experience will pay less than those with less experience. For example, teenagers in Tampa have an average annual premium of $8,520, while individuals 20 to 70 years old have an average annual premium between $2,700 and $3,700.

• 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.