St. Petersburg car insurance may not be liked, but it is needed.

St. Petersburg car insurance is there to protect you against things you can’t predict down the road.

When driving around St. Petersburg, Florida having good car insurance is just as important to your safety as having good brakes. Brakes are there so that you can maintain control of your car and prevent a car accident, and car insurance is there to help you maintain control of your money and prevent financial ruin.

As you can see, one is just as important as the other.

St. Petersburg Car Insurance

Just like with your brakes being required on your vehicle before it is sold to you, you are required to carry St. Petersburg car insurance before you actually hit the road. You are required to have no less than:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability (PDL)

The PIP is to pay for your injuries, regardless of who was at fault for the accident, and the PDL pays for the other person’s damages that you cause. These coverages are unique to the state of Florida in two ways. One, each state determines what type and how much insurance they will require their drivers to carry within their state borders.

Two, most states only require that you carry car insurance coverage to protect the other person that you may hit. Florida is one of very few states that require you to carry car insurance to protect yourself in the event of an accident.

St. Petersburg Accident Statistics

If you think that you really don’t need St. Petersburg car insurance because your brakes will keep you from getting into and accident, here are some statistics from the Florida Department of Highway Safety and Motor Vehicles.

Over the last three years, there has been an average of 12,720 car accidents a year in Pinellas County. During this same period there was an average of 102 fatalities a year. In 2012 alone, there were 13,601 car accidents in Pinellas County, which was an increase of 25% from 2011. In 2012, there were 99 fatalities.

For just St. Petersburg, they had 3750 car accidents in 2012.

Broken down, that’s around 35 car accidents a day in Pinellas County in 2012 and 10 a day just in the city or St. Petersburg.

All of these cars had brakes and they still ended up getting into accidents, so I guess St. Petersburg car insurance isn’t too bad of a backup plan after all.

Orlando car insurance keeps you expenses from a car accident from circling out of control.

Orlando car insurance is there to protect you when you don’t even realize you need it.

Car accidents happen in Florida, we all know that. But, few of us really put much thought into getting into a car accident until the metal has already crunched. And it’s for times like those that you need to be grateful that you have Orlando car insurance coverage, even if you were forced to have it.

Forced Orlando Car Insurance

Yes, you have to have car insurance. In most states car insurance is required to make sure that the other people on the road with you are protected from your negligence or accidents that you may cause. There is usually no coverage required that protects you in the event of an accident.

In Florida though, you are required to purchase coverage that protects both you and the other person. Florida is one of a very small number of states that require this.

These unique coverages that they require you to have on your Orlando car insurance are:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability (PDL)

The PIP is to pay for your injuries, regardless of who was at fault for the accident, and the PDL pays for the other person’s damages that you cause.

Orlando Car Accident Statistics

Just for those that are curious or don’t believe that they need car insurance coverage, here are some accident statistics for Orange County and Orlando.

Over the last three years, there has been an average of 20,009 car accidents a year in Orange County alone. During this same period there was an average of 137 fatalities a year. In just 2012, there were 21,460 car accidents in Orange County, which was an increase of 12.43% from 2011. In 2012, there were also 150 fatalities.

For just Orlando, they had 7136 car accidents in 2012.

Broken down, that’s around 59 car accidents a day in Orange County for 2012, and 19 a day just in the city or Orlando.

(Figures from the Florida Department of Transportation)

What Other Orlando Car Insurance You Need

The coverages that the State of Florida requires on your Orlando Car Insurance only cover those two things that we discussed above. There is no coverage for the damages to your vehicle, no towing coverage, no rental car coverage, and if the other person’s property damage is above $10,000 there is no coverage for that either.

To make sure that you are properly protected if you get into a car accident, you need to make sure that you have the right coverages. To find out what coverage is best for you and your budget, contact your local Orlando car insurance agent.

A nice low premium will Chula Vista car insurance beautiful, just like the view.

If Chula Vista car insurance feels like an ugly necessity, here are some tips to keep it from getting uglier.

In Spanish, Chula Vista means “beautiful view”, which probably are not the words you have in mind when you are viewing the bill for your Chula Vista car insurance. But like everything in life, it could be worse. There is always someone somewhere that is paying more for their car insurance than you are.

If you don’t wish to become this other someone that is paying more for their car insurance, keep these three things in mind.

#1: Don’t Cause Your Chula Vista Car Insurance to Increase

In most cases, you have the power to prevent your Chula Vista car insurance from increasing. No, you can’t prevent a company increase because that is a business decision by the insurance company that has nothing to do with you. But, you do have a choice to leave that company and get coverage with another insurance company that can give you a lower rate.

You can also keep your current insurance premium down by obeying traffic laws and driving safely to prevent getting in a car accident.

#2: Do What You Can to Decrease Your Chula Vista Car Insurance

Insurance companies offer many different types of discounts for their customers to help lower insurance costs. Most of these discounts are directly related to driving and are offered because the ones that qualify for these specific discounts are less likely to get in a car accident, and that is music to an insurance company’s ears.

You can usually find the following discounts available for your Chula Vista car insurance policy:

• Multi-car Discount
• Good Driver Discount
• Long-time Customer Discount
• Good Student Discount
• Multiple Insurance Policy Discount
• Driver Safety Course
• Tracking Device Discount

If you think that you qualify for any of these discounts and you don’t see them on your declarations page of your insurance policy, ask your agent about it. Also be very forward about asking about what other discounts your current insurance company offers that you may qualify for.

#3: Carry the Minimum Chula Vista Car Insurance

To drive in Chula Vista, you have to have Chula Vista car insurance. This is not a city law, but rather a statewide law created and enforced by the State of California. If you choose to drive without car insurance, you will end up having to pay even more for the car insurance that you tried to skip out paying for after you get caught.

Here is what the state requires you to drive with:

• $5,000 property damage liability coverage
• $15,000 bodily injury liability coverage for one person
• $30,000 bodily injury liability coverage for multiple injuries

So keep your insurance policy beautiful with a lower premium by following the law and carrying the coverage the state requires on your Chula Vista car insurance.

Don’t let only having the “basic” Jersey City car insurance coverage leave you in a rocky position after a car accident.

Don’t trust that Jersey City car insurance requirements have your best interest in mind.

One has to wonder what state lawmakers are thinking when they require drivers to carry car insurance to protect other drivers, but then make the coverage requirements so low that it doesn’t really protect anything. Regardless of why they do it though, you as a driver have to make sure that you have at least the minimum of what they require for insurance coverage.

But to make sure that you have enough coverage in the event an accident does happen, you always have the option of voluntarily purchasing additional coverage above what the lawmakers require you to have.

What is the Minimum Jersey City Car Insurance?

The minimum Jersey City car insurance that you are allowed to have, according to the State of New Jersey, is the “basic” policy. This policy only provides the following coverages:

• $5,000 in property damage liability coverage
• $15,000 in personal injury protection coverage

Why The Minimum Jersey City Car Insurance is Too Low

As you can see from the coverage above, these required coverages don’t even come close to what you really need to have to be protected when driving. These coverages only make it so you are driving with some sort of coverage and meet legal requirements for having insurance.

If you have a basic policy and were to ever cause a car accident you would find out the following:

1. Any injuries to the other person that exceeds or is not covered under their PIP would have to be paid for out of your pocket.
2. Any damages to the other person’s vehicle that exceeds the $5000 in liability coverage you have on your “basic” policy would have to be paid for out of your pocket.
3. Any damages to your vehicle would have to be paid for out of your pocket.

Your best bet would be to carry more than what the minimum required Jersey City car insurance coverage is, so that you don’t end up in financial trouble. Besides any little bit of money that you save from going with what’s minimally required for Jersey City car insurance is usually quickly kissed goodbye (plus more) in one car accident.

Hope this driver’s Fort Wayne car insurance has coverage for the damages.

Extreme winter can bring Fort Wayne car insurance claims you didn’t plan for, so play it safe.

Winter can be quite the trickster. You never know if it is going to be a nice mild winter with great driving conditions, or if we are going to face extreme polar vortexes that plunge the area into record breaking lows and layers of ice.

To keep safe during periods of extreme weather, the best thing to do is just not drive if you don’t have to. Also make sure that your Fort Wayne car insurance is current and has enough coverage to protect you financially, for the times that you do drive.

Fort Wayne Winter Safety Information

From the Indiana State Patrol, here are some driving tips to keep you safe during the winter:

1. Keep extra blankets, food, and water in the car just in case you get stranded.
2. If you get buried in snow on the side of the road, turn your hazard lights on and put a flag on your antennae to bring attention to yourself.
3. Tell others where you are going and what roads you will travel when you are driving, during bad weather.
4. Pull your car to the side of the road and call police immediately after a car accident. The only time you would not move your vehicle out of traffic is if there were injuries.
5. Slow Down and give yourself extra time to get everywhere.

That last one will do wonders in keeping you out of a car accident and the premium for your Fort Wayne car insurance down.

Fort Wayne Car Insurance Tips

We all know that you have to have an insurance policy on your vehicle to be able to drive. The minimum insurance you are allowed to have, per the State of Indiana, are as follows:

• Uninsured Motorists: Bodily Injury: $25,000/$50,000
• Property Damage: $10,000
• Under insured Motorists: Bodily Injury: $50,000

Aside from being required, having car insurance is just as important as all of the other safe winter driving tips from the ISP above. It is important because when the weather turns the roads bad, you have less control of your vehicle and an increased chance that you will end up hitting someone. Insurance protects you from having to pay for damages to another person’s vehicle or injuries out of your own pocket.

Another way to protect yourself in the winter with your car insurance is to make sure you have enough coverage for damages to your vehicle and any injuries to yourself or the other people in your car. Your Fort Wayne car insurance agent will be able to help you with the coverages you need for the best winter driving protection.