Florida Auto Insurance
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have Florida auto insurance coverage you can count on.
Let one of our experienced Florida auto insurance policy specialists explain
the different Liability limits, Comprehensive, Collision, Personal Injury
Protection, Uninsured Motorist, Medical coverages, and deductibles that are
available for you to choose from. We offer affordable truck and car insurance
policies from a leader in the insurance industry.
Learn more about Florida Auto Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for a Florida
Auto Insurance policy that will provide excellent car insurance coverage at an
affordable cost. Or you can speak with our Florida Auto Insurance specialist
at (352) 686-0612 or (727) 863-5641 to discuss the policy features.
Covers damage caused to the owners auto from a collision caused by another auto
or other object. The deductible is the amount you choose to pay upfront (if any)
before the auto insurance policy pays. The higher the deductible chosen the lower
the collision coverage cost within the Florida auto insurance policy.
We are a Florida based two location insurance agency offering affordable Florida auto
insurance policy premiums in the following cities and counties: Spring Hill, Hudson,
New Port Richey, Holiday, Brooksville, Aripeka, Bayonet Point, Port Richey, Gulf
Harbors, Elfers, Anclote, Tarpon Springs, Palm Harbor, Land O' Lakes, Masaryktown,
Garden Grove Esates, Spring Lake, Weeki Wachee, Bayport, Brooksville, Istachatta,
Pineola, Nobleton, Bushnell, Sumterville, Center Hill, Webster, Linden, Mascotte,
Tarrytown, Ridge Manor, Catherine, Trilby, Lacoochee, Dade City, Blanton, San
Antonio, St. Leo, Zephyrhills, Crystal Springs, Wesley Chapel, Pasco, Darby,
Odessa, Richland, Lumberton, Homosassa Springs, Hernando County, Pinellas
County, Citrus County, Hillsborough County, and Pasco County, FL. We can also
offer our Florida auto insurance coverage services throughout the sunshine state,
including Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg,
Tallahassee, Ft. Lauderdale, and Jacksonville, FL.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is not a required auto insurance coverage in Florida.
Click on the link below to fill out a secure quote request form for a Florida Auto
Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our Florida Auto Insurance agent specialist
at (352) 686-0612 or (727) 863-5641 to discuss the policy features in more detail.
Covers damage caused to the insured's auto (your automobile) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before
the auto insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Florida auto insurance policy.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. This is not required in Florida unless you displayed a
financial irresponsibility following an accident. The minimum liability insurance
coverage available for purchase in Florida is 10/20 and is explained in detail below.
However, we recommend that you choose liability insurance coverage amounts
that are much higher than the Florida minimums listed below. Contact us at (352)
686-0612 or (727) 863-5641 to discuss what liability coverage amounts you require
to meet your family and personal needs.
Florida Liability Coverage limits explanation:
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in Florida is $10,000.
Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding in or driving your car or truck.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a car
when you are walking or if you are riding in another car or truck. This coverage
will pay for your medical and funeral expenses even if you cause the accident.
The coverage is often limited to medical care you get in the first one, two, or
three years after the accident and is limited to a specific dollar amount. This is
not a required Florida Auto Insurance coverage.
Florida requires a minimum of $10,000 of (PIP) or personal injury protection
coverage. This coverage pays medical bills for injuries suffered in an auto accident
regardless of who caused the accident.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches,
slings, neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto liability insurance. This coverage is not required for
Florida Auto Insurance. Contact us to discuss what uninsured coverage amounts
you require to meet your family and personal needs.

Example of uninsured motorist limits:
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required
Florida auto insurance coverage.
Florida Auto Insurance FAQ
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A
disproportionate number of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers
education class at their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide.
Florida Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because
of a covered event.
Florida Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This
policy is often combined with auto towing coverage and called Roadside Emergency
Towing Insurance. Changing a flat tire on the roadside may also be covered, but you
will need to pay for repairs received at the garage or other repair location.
Florida Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window
on your car is required.
Florida Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by
the insurance agent? Learn about the different important sections in every auto
insurance policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto
insurance coverages and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage
you've purchased is described in detail and also outlines exactly who is covered
under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining
a police report, and filing a claim. Information on auto insurance policy
cancellation will be outlined here, too.
Click on the link below to fill out a secure quote request form for a Florida Auto
Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our Florida Auto Insurance agent
specialist at (352) 686-0612 or (727) 863-5641 to discuss the policy features in
more detail.
Florida Auto Insurance
Auto
Insurance
Serving Florida's Pasco and
Hernando Counties Since 1975!
Florida Auto Insurance
BAUKNIGHT
INSURANCE
Bauknight Insurance
10488 Spring Hill Drive
Spring Hill, Florida 34608
Hernando County FL
(352) 686-0612
Brooksville (352) 796-0007
Fax: (352) 686-2699

Bauknight Insurance
13041 U.S. Hwy 19
Hudson, Florida 34667
Pasco County FL
(727) 863-5641
New Port Richey (727) 862-3287
Holiday (727) 863-5642
Fax: (727) 863-0637

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If you have an older car, you can lower your Florida auto insurance premium by
reducing or dropping your collision or comprehensive coverages. Cars being sold
today are much more costly to repair, just ask your auto mechanic the next time
you see him. If you damage your older car in a car accident, it's likely that your
repair costs will be lower than those for a newer car with similar damage. The
amount of Florida auto insurance premium that goes toward that coverage option
is only slightly reduced for older cars than for newer ones. You can usually save
some premium by taking on a small amount of risk.
Lower Auto Insurance Premium - Increase Your Deductibles
Auto insurance premiums are based on the amount of coverage you have, and
the deductible you must pay before an insurance claim is paid. Auto insurance
deductibles usually range between $100 and $1,000. A lower deductible raises
the premium amount, and a higher deductible will lower your monthly Florida
auto insurance premium.

You should consider setting your deductible at an amount that you are
comfortable with. Determine the amount that you could afford to spend on your
car in any given month if you had an accident. The amount that won't prevent
you from paying all your bills is a good amount for an auto insurance deductible.

Remember though, if you have a car accident, the deductible you've chosen
must be paid before the insurance company will pay for your repairs, and there
can be hidden costs in a car accident. For example, your Florida auto
insurance policy may not pay the cost of a rental car while your car is being
repaired.
Low-Mileage Discounts
The more miles you drive, the greater the chances of being involved in an
accident. Most auto insurance companies offer discounts to drivers who
keep the number of miles they drive each year under 10,000 to 12,000 miles.
Moving Violations
Most automobile insurance companies provide discounts to drivers who have
not had a moving violation in the past 3 years. Insurance companies consider
speeding tickets and accidents the most serious moving violations which have
an impact on your Florida auto insurance premiums.

Review your driving record prior to shopping for Florida auto insurance. You
may want to consider holding off on buying new auto insurance if you have a
moving violation which can be removed from your records within a short period
of time.
Reduce Auto Insurance Premium - Fewer Accidents
Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time
you are involved in an auto accident or a moving violation, the state where you
are licensed assesses points to your driving record. Auto insurance
companies limit their risk exposure by charging higher premiums to drivers
who have more points on their driving records. Convictions of driving under
the influence of drugs or alcohol is often viewed as much more serious than a
speeding ticket or a car accident by insurance carriers.

If you think that you apply for good driver rates, be sure to ask companies
when you are shopping for auto insurance what their "good driver" discounts
are. Compare that price to the good driver rates of other companies, to help
determine what the best Florida auto insurance policy is for you and your
family.
Reduce Auto Insurance Premium - Anti-Lock Brakes
Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking
mechanisms will lock if the driver slams the brake pedal, which can cause
hydroplaning in wet conditions or skidding on dry surfaces. The proper way to
avoid this is to pump the brakes. People are limited in the speed with which
they can pump a brake pedal, so anti-lock brakes do the pumping for you and
improve safety.

Auto insurance companies want to reduce the chance that their policy holders
will have a car accident. The auto insurance discounts offered are another
incentive to buy cars equipped with anti-locking brakes.
Multiple Insurance Policy Discount
Many auto insurance companies will offer lower premiums if you have
multiple insurance policies with the same company, or multiple vehicles
insured under the same policy. This works differently depending on which
specific insurance company you are dealing with.

Insurance companies will offer discounts if you purchase a homeowners
insurance policy or an umbrella insurance policy to go along with your
Florida auto insurance policy.
Click on the link below to fill out a secure quote request form for a Florid
Auto Insurance policy that will provide excellent auto insurance coverage at
an affordable cost. Or you can speak with our Florida Auto Insurance agent
specialist at (352) 686-0612 or (727) 863-5641 to discuss the policy
features in more detail.
Honesty Is The Best Policy
This holds true for providing accurate information to your Florida auto insurance carrier. Don't
think that little white lie won't come back to harm you with a denied claim, a canceled policy or
legal troubles.
Most Florida auto insurance policies allow for cancellation or non-renewal if you intentionally fail
to disclose information necessary to correctly underwrite and rate an auto insurance application.
You can find that information typically in the policy info mailed to you that you probably don't read
completely.
A few most often falsehoods given by people to reduce their auto insurance rates, enhance their
medical claim, or are told to insurance agents after an accident.
I only drive a couple of miles to and from work.
Your claim can be denied if the insurance company determines that you drive a significantly
longer commute for work each weekday than what they were told. This could make you
responsible for all damages in an auto accident.
I'm the only one that drives my car regularly.
If a person not listed on your Florida auto insurance policy drives your car on a regular basis
and gets into an accident, your rates can go up. Depending on the circumstances of that
accident, this falsehood can make it appropriate for the insurance carrier to not pay your auto
insurance claim. Also, auto insurance coverage rates are based on where you live and park the
car or truck being insured. Inaccurate information given to the insurance carrier to get cheaper
rates can get your Florida auto insurance policy cancelled.
I put on my turn signal before I changed lanes.
I wasn't speeding. / I stopped completely at the stop sign.
Witnesses to your car accident who give a different story of the events than you can lead your
insurance carrier to partially or completely charge you with fault for the accident. Honesty is the
best policy!
I need massage therapy for injuries related to my accident.
If a massage therapist isn't clearly related to your auto insurance claim, your medical expense
can be denied and can prompt a fraud investigation. Insurance carriers have medical experts
that do nothing else but varify or not varify such medical claims.

Other falsehoods such as attempting to pass off old damage as new damage or failing to
mention the use of your car for business purposes, can lead an insurance company to
rejecting your claim and cancelling your Florida auto insurance policy.