Auto Insurance

With so many choices for auto insurance, it is hard to find the right one.  At the Kite Insurance Agency we understand that having the right policy is very important.  We represent many different insurance providers giving us the ability to find the best policy for you.

Finding the policy that is right for you starts with knowing what type of coverage you need.  There are many different levels suited for different needs and our goal is to give you all the information needed to make the right decision.

The lowest level required by Florida law is called liability coverage.  This level of coverage insures that the policy holder is able to cover the cost of damage to other people and property in the event of an accident.  Fortunately, Florida offsets this coverage requirement by offering low car insurance coverage minimums.  The minimum limits for Florida auto insurance coverage are $10,000 of no-fault person injury protection and $10,000 of property damage liability insurance. This policy is great for people trying to save money while remaining legal.

While Florida requires a minimum level of coverage, there are levels that provide additional protection and benefits not required by law.

Comprehensive coverage is a level that will pay for damages to your car that is not the result of an accident such as scratches or dents due to vandalism.

Collision coverage is a level that will pay for any damages to your car regardless of fault.  This type of coverage is great for those with cars of higher value or drivers with a higher likelihood of accidents such as teen drivers.  

Towing and labor coverage will include the costs of towing a vehicle from an accident and the labor associated with getting the damaged car to the appropriate location.  This level of coverage is great for those needing to offset the out of pocket costs at the time of an accident.

Uninsured or underinsured motorist coverage is a great for preventing the high costs of an accident caused by someone who does not have car insurance.  This type of coverage will cover all the costs of damages caused by accidents involving drivers with little or no coverage.

While comprehensive and collision coverage policies are not required by Florida law, your lender will require you to purchase both if you are financing your car.

At the Kite Insurance Agency we want to help you find the best policy for your needs at the lowest rate possible.  We service Pensacola, Milton, Pace, and the entire Florida Panhandle.  

Please click here for quick and easy Auto Insurance Quote!


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