How Much Car Insurance Do You Need?

You don’t have to spend much time in Florida to realize that the state is home to some of the most cavalier drivers on the road. They’re aggressive, unsafe and all around you. Year after year, the state of Florida ranks as one of the most dangerous places to drive your car in the whole United States. That’s no fluke, and it means you’ll need to ensure you’re protected when you’re behind the wheel.

Of course, that begs the question: how much car insurance will you need in Tampa, FL? If that sounds like a question you’re asking yourself, we’ve got you covered.

Types of car insurance

Before you can determine how much car insurance you require, you need to know a little about the kinds of insurance available to drivers:

  • Liability insurance: Liability insurance covers drivers who are shown to be the cause of an accident. Liability insurance comes in two varieties: bodily injury and property damage.
  • Personal injury insurance: This type of insurance is designed to cover everyone in your car. If you’re in an accident and you or one of your passengers is injured, personal injury protection will cover medical bills.
  • Uninsured motorist insurance: In the event that you are hit by an uninsured motorist, you will undoubtedly want protection. In fact, Florida often rates high among the states harboring uninsured drivers, which makes it even more important to have uninsured motorist coverage.
  • Collision insurance: Though not required by law, collision insurance is a good backup plan for those people who want to make sure their car is covered in the event of an accident, regardless of who is at fault.

If you’re interested in having all the types of car insurance on offer, you should consider comprehensive car insurance coverage in Tampa, FL.

Your personal situation

Now that you know what kinds of insurance are at your fingertips, you just have to ask yourself a few questions about your personal circumstances:

  • How much is your car worth?
  • Do you have a family?
  • Do you have a new driver in your household?
  • What kind of neighborhood do you live in?

Those drivers who live in high-risk communities or who are trying to educate a young driver would do well to get as much insurance coverage as possible. If, however, you’re the sole driver and your car is on the older side, then you can be a little pickier with your choices.

Your car insurance headquarters

If you’re in the market for insurance or interested in more car insurance coverage tips in Tampa, FL, come to Cheap Car Insurance Guru. We have years of experience working to provide fantastic car insurance for customers throughout the greater Tampa area. We understand how vital great car insurance is, and perhaps more importantly, we know how critical it is to make sure every penny counts when you’re living on a budget.

That’s why Cheap Car Insurance Guru works overtime to make sure you’ve got the perfect amount of coverage for your needs. When you need great insurance, come to Cheap Car Insurance Guru. We’re ready to help you!