Auto insurance is required by law. It is designed to protect you and the other drivers from financial loss if an accident occurred. If you need auto insurance, then you will need to contact Southern Guard Insurance. We provide auto insurance for people who live in Florida. We can tell you about the different insurance options that you have.


Why Have Auto Insurance?

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You have different policy and coverage options. Our professionals will guide you throughout this entire process and help you select the option that is right for you.

Components of Insurance

Liability Coverage includes property damage and bodily injury coverage. If you are at fault for an accident and another person is injured, then liability coverage will pay their medical expenses. It will also cover damage that you do to another person’s property.

We recommend that you get a minimum of 100/300 in liability coverage. This policy will pay $100,000 in damages for one person. Three hundred thousand will cover every person who was hurt in the accident.

The following will be covered by liability insurance.

  • Medical expenses
  • Funeral expenses
  • Legal defense expenses
  • Compensation for lost wages
  • Emergency medical care at the accident scene

We also recommend that you have at least $100,000 in property damage coverage. It will pay for vehicle repair or replacement. It will also pay for damages than are done to stores, homes and other buildings.

Medical Payment Coverage

Medical payment coverage will pay for doctor and hospital expenses. It does not matter who caused the accident. Surgery, x-rays, funeral expenses and ambulance are examples of some of the expenses that are paid for medical payment coverage. You, your family members and passengers are covered by medical payment coverage.

Uninsured Motorist Coverage

Uninsured motorist coverage will pay for damages if you get into an accident with someone who did not have insurance. It is estimated that 16 percent of drivers in the state of Florida do not have car insurance. You should have 100/300 for uninsured motorist coverage.

Personal Injury Coverage

Personal injury coverage will pay for hospital and medical expenses. It will also compensate you for lost wages and funeral expenses. Florida requires that people have $10,000 in personal injury coverage.

Collision Insurance

If you damage your car, then collision insurance will pay for the damages. It is important to note that you will have to pay a deductible. If you have a higher deductible, then you will be able to pay a lower premium. However, you will have to pay more out-of-pocket if you have a higher deductible.

Comprehensive Coverage

Comprehensive coverage pays for damages that are not caused by collisions. Vandalism, hurricanes and tree falling on a car are examples of some of the things that are covered by comprehensive coverage.

Types of Discounts

Car insurance may be expensive. However, there are ways that you can save money. You should ask for a Southern Guard Insurance agent about the following discounts and features.

Accident Forgiveness

Your rates will likely go up after an accident. However, if you have accident forgiveness, then the rates will remain the same.

Good Driving Discount

If you go a certain amount of time without an accident, then you may be able to get a good driving discount.

Defensive Driving Discount

If you are over the age of 55 and take a defensive driving discount, then you may be able to get a discount.

Safe Car Discount

You can get a discount for adding anti-lock brakes and anti-theft devices.

Multi-Policy Discount

If you get home insurance and auto insurance from the same company, then you can get a discount.

If you want to know more about Southern Guard Insurance and what we offer, then you can fill out the form on our page.