Auto Insurance

Helping protect you on the road.

Car and truck insurance to protect what matters most.

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the coverage you need at a price you can afford.

Accidents

Accidents happen to everyone. We’re here to help.

Insurance for the vehicle you rely on daily.

A car or truck is often one of your most valuable assets, second only to your home. Whether you use it for commuting to work, running errands, or weekend road trips, your vehicle plays a crucial role in your daily life. Auto insurance helps safeguard this essential asset by protecting you from potentially crippling financial losses in the event of an accident, theft, or damage. It also provides peace of mind, ensuring you won’t be left without reliable transportation when you need it most.

Beyond financial protection, auto insurance is a legal requirement in almost every state. Driving without proper coverage can result in hefty fines, license suspension, or even legal action. Choosing the right policy ensures that you are not only compliant with state laws but also adequately protected from unexpected events.

What is the minimum required coverage?

uto insurance requirements vary by state, but at a minimum, most states mandate liability coverage. This means your policy must cover damages you cause to others in an accident. However, the level of protection required by law is often not enough to fully cover the costs of serious accidents, leaving you financially vulnerable if damages exceed your policy limits.

There are two main types of required liability coverage:

• Bodily Injury Liability (BIL): Covers medical expenses, lost wages, and legal fees if you cause an accident that injures another person.

• Property Damage Liability (PDL): Pays for damages to another person’s vehicle or property if you’re at fault in a collision.

Some states, particularly those with no-fault insurance laws, also require Personal Injury Protection (PIP), which helps cover your own medical bills, regardless of who caused the accident. Additionally, states may require Uninsured/Underinsured Motorist Coverage, which protects you if you’re involved in an accident with a driver who has little or no insurance.

Since state minimums often provide only basic protection, many drivers opt for additional coverage, such as comprehensive and collision insurance, to ensure their vehicle is fully protected.

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

• Click on the hotspots.
• Discover your risks.
• Get the right coverage.

Take your auto policy further with beneficial add-ons.

While basic auto insurance policies meet legal requirements, they often don’t provide enough protection for your vehicle. Other types of auto insurance go beyond liability coverage and offer financial security in various situations, such as theft, fire, or accidents that don’t involve another vehicle. Without adequate coverage, you could be left paying out of pocket for costly repairs or replacement expenses.

One of the most important types of additional coverage is Comprehensive Insurance. This policy helps protect your car or truck if it is stolen, damaged by fire, vandalized, or affected by natural disasters like hailstorms, floods, or falling objects. If an event other than a collision damages your vehicle, comprehensive coverage ensures you’re not left with a major financial burden.

Another key coverage option is Collision Insurance, which covers damage to your car from an accident—even if no other vehicle is involved. Whether you hit a tree, a fence, or another object, collision insurance helps pay for repairs or replacement, regardless of fault.

Additionally, Uninsured/Underinsured Motorist Coverage is essential for protecting yourself against drivers who don’t have enough insurance—or any insurance at all. If an uninsured driver crashes into your car, this coverage helps pay for medical bills, lost wages, and repairs. Without it, you could be stuck covering these costs on your own.

Protect Yourself and Others with the Right Auto Insurance

Selecting the right car insurance isn’t just about meeting legal requirements—it’s about ensuring you, your family, and other drivers are financially protected in any situation. Every driver’s needs are different, which is why it’s important to speak with an experienced insurance agent who can help you tailor a policy that fits your budget and risk factors.

Combine Your Policies and Save

Some things just make perfect sense in pairs.

Frequently Asked Questions (FAQs)

In Florida, drivers are required to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers medical expenses for you and your passengers, regardless of fault, while PDL covers damages you cause to someone else’s property. However, these minimums may not be enough to fully protect you in an accident, which is why additional coverage options are recommended.

Florida operates under a no-fault insurance system, meaning that after an accident, each driver’s insurance covers their own medical expenses, regardless of who was at fault. PIP helps cover these costs, but it has limits. If injuries are severe or expenses exceed PIP coverage, you may need to pursue compensation from the at-fault driver’s insurance. That’s why many Florida drivers opt for Bodily Injury Liability (BIL) coverage, even though it’s not required by law.

Standard auto insurance policies do not cover damage caused by floods or hurricanes unless you have comprehensive coverage. Given Florida’s high risk of severe weather, adding comprehensive insurance can protect your vehicle from storm-related damage, including flooding, fallen trees, and debris.

Florida has a high number of uninsured drivers, which makes Uninsured/Underinsured Motorist (UM/UIM) Coverage an essential addition to your policy. If an uninsured driver hits you, this coverage helps pay for medical expenses, lost wages, and even pain and suffering. Without it, you may have to cover these costs out of pocket.

At Schneider and Associates Insurance, we help Florida drivers find ways to save on their auto insurance. Some common discounts include:

• Bundling auto and home insurance

• Maintaining a clean driving record

• Taking a defensive driving course

• Installing anti-theft devices

• Choosing a higher deductible

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Auto Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

Once the form has been completed, we will email you a quote comparison of the best available options within the next business day.  If we have any additional questions, we will call and/or email you. Please note that the form has many questions that are “not required”. However, the more information you can provide, the more accurate our insurance quotes will be.

Get a Quote

It only takes a minute to get started.

• Fill out the form, we’ll be in touch.
• Go over your options with an agent.
• Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!