Auto Insurance

Auto insurance from Locklin includes coverage from Progressive, Travelers, Auto-Owners Insurance and more. Choosing auto insurance from Locklin means choosing the right balance of coverage to protect you, your family, and your car.

Car insurance includes Bodily Injury and Property Damage Liability, Comprehensive and Collision, Rental Reimbursement, Roadside Assistance and more. Here are some things to consider to begin your search for auto insurance:

Coverage

How much protection do I need for my car and for myself?

You should consider the age of your car, safety record, condition, and value.

You should also consider how much protection do you need in the event of accident. Medical bills, liability to others, and other factors should be considered.

Florida State Law requires that all motorists maintain the following minimum coverages:

• Property Damage Liability: $10,000 Limit
• Personal Injury Protection: $10,000 Limit

The state of Florida follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.

Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Florida state law requires a minimum Personal Injury Protection coverage of $10,000.

You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured motorist. Florida does not require drivers to purchase this coverage, but you should consider purchasing this optional coverage as you answer the question above.

Cost

How much will car insurance cost and how is the car insurance rate determined?

The cost of your auto insurance will depend on the following factors:

• Levels of coverage you choose
• Age, condition, and industry safety record of your vehicle
• Age, gender and safety record of all covered drivers
• Your typical driving habits (e.g. distance to work, school, etc.)
• Your driving record, past claims, and personal safety record
• Your credit score

All insurance companies use these factors to arrive at the cost of your automobile policy.

Service

Will someone be there to help me with policy changes, coverage decisions or claims? Is the insurance company I'm considering reliable when it comes to service or claims?

The cost of your auto insurance will depend on the following factors:

Locklin Insurance Agency takes pride in representing only companies that provide clients with superior service. Locklin staff are specially trained as professionals who provide independent advice to new and present clients with regard to coverage, billing and are always available to offer advice and assistance with claims, changes and other services.

Call us for an auto insurance quote today!