FAQs
Why choose Insurance Pros Agency?
We have lot of Insurance carriers that offers flexible, hassle-free car insurance to fit most budgets. Get an online quote today. We offer
competitive rates and payment options, some of which include lower down payments to meet your needs.
What if I have a lapse in Insurance or no prior Insurance?
We can help if you never had an auto insurance or have a lapse in your auto insurance. We have lot of insurance carriers who will accept
nearly all clients without prior insurance at competitive rates.
What’s the minimum auto coverage required to drive in state of Florida?
Personal injury protection (PIP): $10,000 per person and per accident. PIP covers medical expenses for injuries in the accident. PIP usually
comes with a deductible, which is the amount you pay before insurance kicks in. If your medical costs or those of your passengers exceed
$10,000, you might need to pay the rest out of pocket or use other insurance.
Property damage liability (PDL): $10,000. PDL covers damage you cause to another vehicle.
What are other optional auto coverages?
•Bodily injury (BI) liability coverage pays for the medical costs of the people who are injured (not including yourself). This coverage also helps
cover payment for legal defense in the event you are sued for damages. This is a coverage that needs to be requested.
•Medical payments (MedPay) coverage helps pay for medical and funeral expenses after a car accident. It's an optional form of auto insurance that typically covers the policyholder, family members driving the car, and any passengers. Also known as medical payments coverage or MedPay.
•Medical payments (MedPay) coverage helps pay for medical and funeral expenses after a car accident. It's an optional form of auto insurance that typically covers the policyholder, family members driving the car, and any passengers. Also known as medical payments coverage or MedPay.
What is a SR22 and FR44?
An SR-22 in Florida is for serious traffic tickets, like reckless driving, while FR-44 insurance is for DUI or DWI convictions. The other main
difference between SR-22 and FR-44 insurance is that drivers with an FR-44 filing are required to have higher liability limits on their car
insurance.
An SR-22 is a certificate of financial responsibility, required for some drivers by their state or court order. An SR-22 is not a coverage or type of insurance, but a certification form filed with your state. This form serves as proof that your auto insurance policy meets the minimum Liability coverage required by state law. An FR-44 is like an SR-22 form in that it proves that a driver is carrying active Liability insurance that meets or exceeds state-minimum coverage requirements.
An SR-22 is a certificate of financial responsibility, required for some drivers by their state or court order. An SR-22 is not a coverage or type of insurance, but a certification form filed with your state. This form serves as proof that your auto insurance policy meets the minimum Liability coverage required by state law. An FR-44 is like an SR-22 form in that it proves that a driver is carrying active Liability insurance that meets or exceeds state-minimum coverage requirements.
Do you provide ride share coverage?
We have Insurance carriers that offer Rideshare coverage as an optional endorsement. Rideshare coverage is required if you drive under a
ridesharing platform like Lyft or Uber.
Can you help with insurance if I received a DUI or DWI
We have Insurance carriers that offer reasonably priced coverage if you are convicted of driving under the influence (DUI) or driving while
intoxicated (DWI). We also can provide an SR-22/FR-44 certificate of financial responsibility, if needed. Contact us today by starting a quote
with us.
What are the ways to lower the auto insurance premiums?
Many Insurance carriers offer various discounts including:
Homeowners
Student
Safe driving discount
Auto safety features
Multiple vehicle discount
Paperless discount
Above listed are some of the discounts. Talk to one of our insurance representatives to discuss your possible discount options.
Homeowners
Student
Safe driving discount
Auto safety features
Multiple vehicle discount
Paperless discount
Above listed are some of the discounts. Talk to one of our insurance representatives to discuss your possible discount options.