Why choose Blanco Insurance for your Auto Insurance Needs?
- Personalized Service – You will be treated as family and not a number. Plus, we are local, active in the community and have a good understanding of auto insurance needs in the area
- Trusted Advice – Our Florida Licensed insurance agents will work closely with you to determine your needs
- Save Money – We will shop multiple providers to find the best rates for you
- Save Time – Our experts will do all the work so you don’t waste time
The insurance professionals at Blanco Insurance will find the best automobile insurance policy to fit your needs and your wallet.
Already have auto insurance but wondering if you have enough or if you can save some money?
Call us at 305-888-0524 or email us by clicking here.
Frequently asked questions about auto insurance
How Much Car Insurance Should You Buy?
You need enough insurance to drive legally. At Blanco, we know the state's car insurance minimum requirements. You also need enough car insurance to protect your life from turning into total chaos if you have a car accident. We can help you figure out what you need.
Who should buy minimum levels of liability car insurance?
Minimum liability is not advisable, but if you can't afford more, it's better than no insurance. If you have no savings or assets, minimum liability coverage may be enuogh. Unfortunately, is not enough to pay for serious injuries or to replace a newer car. It is only enough to drive legally.
Who should buy uninsured motorist car insurance?
If you have purchased collision coverage and you have your own health insurance you may be able to skip uninsured motorist coverage. It is safer to keep uninsured motorist coverages if you can afford to, because they can reduce your financial losses from deductibles and coverage caps. Ask us at Blanco Insurance for help in this area.
Do you need comprehensive and collision coverage?
Comprehensive insurance pays for damage to your car from severe weather, fire, theft etc. Collisions pays to repair your car if you cause an accident. If your car is 10 years old or less, you should buy comprehensive and collision coverage. You should also get it if your car is older than 10 years, but worth more than $3,000, or if you can’t afford to repair or replace it. If you owe money on your car, your lender will require you to have collision and comprehensive coverage, which would repair or replace your car.
What is considered full coverage car insurance?
Full coverage liability of $100,000 per person injured in an accident you cause, up to $300,000 per accident, and $100,000 for property damage you cause, with a $500 deductible for comprehensive and collision. This is commonly written as 100/300/100.
Will an accident raise your rates if you’re not at-fault?
Not always. A crash doesn't always equal more expensive coverage. Many insurers may be lenient if it's your first accident and not your fault. Whether your rates go up after a not-at-fault accident really varies by insurance company. One accident may not cause your rates to rise, but if you have been in multiple accidents, even if you were not-at-fault for each, your insurer may increase your premiums or not renew your policy.
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice.