Auto Insurance
Auto Insurance Options Designed For You
Nearly every state requires a minimum amount of auto insurance, and Florida is no exception. In Florida, drivers are required to have a minimum of Property Damage coverage and Personal Injury Protection. Our auto insurance products cover accidents, property damage, physical injuries, lawsuits, and more. No matter your situation, we have affordable auto insurance options for just about any situation. Contact us today and get a customized car insurance quote.
Types of Auto Insurance Coverage We Offer
Liability (bodily injury and property damage)
Covers damages you cause to others
If you're at fault in an auto accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers'/passengers' injuries. Plus, liability covers you if someone sues you over an accident.
Comprehensive and collision
Covers damage to your car
These are two separate auto insurance coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.
Uninsured/underinsured motorist
Covers your injuries and damages
These can be two separate coverages: One that covers your injuries (bodily injury) and another that covers your vehicle's damages (property damage). Both kick in if a driver hits you and doesn't have insurance or enough to pay for your losses.
Medical Payments
Covers your injuries
Pays for medical costs if you, your passengers, or your family members are injured in a car accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Rental car reimbursement
Covers rental car fees
Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).
Loan/lease payoff
Helps pay off your loan when your car is totaled
Loan/lease payoff is also called gap insurance. If your car is totaled, we'll help pay off the balance of your loan (up to 125% of your vehicle's current value).
Why Do I Need Car Insurance?
Car insurance covers your expenses in the event you are involved in an auto accident. These expenses can include vehicle damage, other property damage, and injuries to drivers and passengers. All drivers must carry auto insurance in Florida and are held responsible for liability if found to be at fault. Note: Florida is considered an 'At Fault' state, which means some degree of liability can be assigned even if a driver is not determined to be at fault.
32 Years and Counting!
Since 1986 we have helped thousands of customers with their Personal Insurance and Commercial Insurance needs. We have been fortunate to attract the best insurance agents and staff in Tampa, and this means customers get the most dependable insurance at the most affordable rates possible. It doesn't matter if you need Auto Insurance, Home Insurance, or Commercial Insurance - if you can name it - we can insure it. We're pretty sure you won't find a more friendly, customer service oriented team. We care about our customers as if they were actual family members, so contact us today and become part of the Lovinger family!
Contact Us Now
FREE Auto Insurance Quote
Benefits of An Independent Auto Insurance Agency
If you’re looking for the best auto insurance quote, you should consider the auto insurance coverage that works best for your specific needs and your budget. Lovinger Financial Service, Inc. will shop for coverages and rates through our vast network of carriers to find the perfect solution for you. That means you can sit back and let us do all the work. Still have questions? Call us any time.
How Much Car Insurance Do I Really Need?
Determining how much and which types of auto insurance you need isn't always simple. First, you need to understand that the state of Florida requires [enter required here] [in the amount of]. Next, it is wise to evaluate what is required to protect you and your property, and your assets. Then, you should find an auto insurance policy that works with your budget.
Getting the best price for auto insurance is also a bit tricky. We suggest doing your own research. Determine the top-rated companies then get quotes. We also suggest working with an experienced and reputable insurance agent - like Rich Lovinger. Experienced agents understand all of the nuances that affect eligibility and cost for auto insurance, and they can guide you through multiple options - all to help you choose the best options at the best price for your situation.