Personal Auto Insurance Tampa
Comprehensive Auto Coverage from 20+ Local Tampa Carriers
What is Personal Auto Insurance Tampa?
A personal auto insurance Tampa policy is purchased by vehicle owners to reduce the costs associated with getting into an auto accident.
Instead of paying out of pocket, people pay premiums to an auto insurance company. It is the insurance company that then pays all or most of the costs associated with an accident or other type of vehicle damage.
Auto Insurance Tampa Requirements
Tampa requires all drivers to carry minimum auto insurance coverage. However, we recommend you do not just purchase the minimum requirements. Take the responsible route and become educated on the proper coverage you may need for your vehicles.
What Does Personal Auto Insurance in Tampa Cover?
Liability Coverage
Pays for injuries and property damage you cause to others in an accident. Required by Florida law.
Collision Coverage
Covers damage to your vehicle from accidents, regardless of who's at fault.
Comprehensive Coverage
Protects against theft, vandalism, weather damage, and other non-collision incidents.
Uninsured Motorist
Covers you if you're hit by a driver with no insurance or insufficient coverage.
Medical Payments
Pays medical expenses for you and your passengers after an accident.
Rental Reimbursement
Covers rental car costs while your vehicle is being repaired after a covered loss.
How Are Auto Insurance Premiums Calculated?
- The premiums paid for auto insurance vary based on several factors:
- Age & Experience: Younger drivers typically pay more due to less driving experience
- Driving Record: Accidents and moving violations increase your rates
- Vehicle Type: Sports cars and luxury vehicles cost more to insure
- Coverage Limits: Higher limits and lower deductibles mean higher premiums
- Credit Score: In Florida, your credit can affect your insurance rates
How Elite Business Insurance Helps You Save
At Elite Business Insurance, we make sure to shop hundreds of carriers for each client.
Known throughout the industry as an established independent insurance agency gives us an advantage over captive agents who can only offer one company’s rates.
Rather than placing a square peg in a round hole, we mold your specific personal auto insurance needs into various scenarios, offering the best possible carriers with the best prices.
Save Even More with Multi-Policy Discounts
Bundle your auto insurance with homeowners, business insurance, or other policies and save 15-25% on your premiums.