Just like other states, Florida requires drivers to be financially responsible. For most people, this means carrying a minimum amount of car insurance.

In fact, many people who contact our Palm Coast, FL offices at All Counties Insurance Agency & Traffic School are often seeking coverage at state minimum levels. However, there may be a few reasons why this might not be enough for you.

You May Have More at Risk

Those who have a higher net worth may find state minimum coverage severely inadequate. This situation occurs more frequently when you have been involved in an accident with an uninsured driver or if you are at fault.

Vehicles are More Expensive Than Ever

The cost of buying and repairing damaged vehicles has skyrocketed. Consequently, car insurance rates have also increased. If your response to this is to reduce coverage to minimal levels, you could be putting yourself at a larger financial risk.

The Benefits of Examining Coverages Closely

If you choose coverage at state minimum levels, you may be missing out on some important aspects of auto insurance. Some beneficial provisions of an auto insurance policy may be optional and surprisingly affordable. In fact, increasing limits can also be more affordable than you initially believe. Dismissing this coverage without thoroughly exploring it may result in regret.

The Importance of a Professional Car Insurance Review

State minimums should spark the need for a professional car insurance review that can highlight the exceptional value of certain upgrades and increases. By accepting state minimums, you may be missing out on valuable and affordable coverage options.

We welcome you to contact us at All Counties Insurance Agency & Traffic School in Palm Coast, FL. Whether you want state minimum coverage or explore affordable alternatives, we’re here to help.