Affordable and Comprehensive Auto Insurance in Florida. Plain and Simple.
So, you own a car and are wondering how to get the best coverage possible? Look no further than All Insurance Group in Brandon, Florida. With over 50 years of combined experience, you’ll get unmatched service and expertise that will take you and your car to the next level. With us, you’ll get a real agent helping you, not those automated machines that malfunction all the time.With All Insurance Group, you get premium car insurance policies in Brandon, Florida and an agent you can rely on.
Take a look at the wide array of insurance solutions we offer below and contact All Insurance Group or start a Free Rate Quote to discover how we can help you rest easy knowing your family is protected from the unexpected.
Auto Insurance in Brandon:
Standard Auto Insurance
Florida law requires all drivers to carry, at a minimum, the following vehicle insurance coverages:
$10,000
Personal Injury Protection
$10,000
Property Damage Liability
The state regulation for minimum insurance requirements can leave many drivers open to financial distress if the minimum is all they opt to elect in coverage, and they find themselves in a car accident. Additional coverages are available to help extend your protection for medical expenses, liability, and property damage. While Florida mandates that all active drivers with a registered vehicle have the simplest of coverages, it is also one of the top states in the nation for uninsured drivers. Electing additional coverages for medical and property are highly recommended as well as Uninsured/Underinsured car insurance coverage to help afford you the most protection should an unfortunate event occur.
Classic Car Insurance
Did you know that a 1969 Dodge Charger is the most popular classic car in the state of Florida (as well as 12 other states)? Showing off a remodeled classic car is a favorite pastime for classic car owners, as well as attending events to see what others have done to theirs and potentially shop for that dream car. Classic cars are a unique vehicle to insure—they are often not regular commuters and hold a very high value. As a result, like any asset of value, classic cars should be insured to avoid a tragic loss of time and money.
RV/Travel Trailer Insurance
Similar to standard car insurance, RV owners must also carry a minimum level of coverage before hitting the road—if it is drivable. In the state of Florida, motorhome insurance requirements match those of a regular vehicle: $10,000 minimal coverage for both Personal Injury Protection and Property Damage Liability. However, if there was any type of vehicle that should carry more than the minimum coverage, it is the vehicle that can double as your home and often holds many of your belongings while traveling.
Those who use their RVs regularly know that having additional coverage for damage to their motorhome, even while parked at a camp site, provides extensive peace of mind. Additional coverage for RV/Motorhome insurance can be added to your policy for liability, collision, comprehensive, as well as vacation or travel insurance—and full-time coverage if you live in your motorhome year-round.
Travel trailers and tow-behind RVs are considered an extension of your vehicle and are covered under your auto policy—however, your coverage for collision repairs or liability can be limited if your policy only includes the minimum state required insurance.
Motorcycle Insurance
Nothing is more exhilarating than traveling the wide-open roads on a wide-open vehicle. Motorcycles are used by more than 570,000 Florida residents, and many more are on the roads with Florida being one of the major places for riders to visit (bike week anyone?). With that said, Florida can also be a dangerous place for riders with the sheer number of vehicles on the road. Having the right coverage as a rider will do more than just protect your bike and belongings or cover potential repairs—it’ll also help provide the coverage you need to protect your health.
Florida laws for motorcyclists are far more permissive than those for vehicular drivers. Helmets are optional—if the rider is over the age of 21 and has $10,000 medical coverage or more (on a motorcycle policy). Riders under 21, regardless of insurance coverage must wear a helmet and protective eyewear is mandatory for all. Failure to follow these rules could interfere with coverage.
In addition, motorcycle is not needed before registering your bike (unlike when registering a car)—and if you plan to wear always helmet (and over 21), you technically, don’t have to carry motorcycle insurance. However, should you be determined to be at fault for an accident, insurance coverage will become a must. While the laws may be lax for riders, that doesn’t mean it should be lax when it comes to common sense coverage. Motorcycle riders are 28 times more likely than a car occupant to die as a result of an accident.
Aside from injury and property damage risks, motorcyclists also are at risk for theft, vandalism, and other damage to their bike or personal belongings. Comprehensive coverage for your motorcycle can help extend your coverage for items like your helmet, riding gear, or other belongs stored in your saddlebags or even your pocket while you are riding.
Watercraft/Recreational Insurance
Boat, jet ski, and other watercrafts do not require the owner to carry any form of insurance. As with any form of insurance, you aren’t just getting it because you have to—you are getting it to reduce your liability and out of pocket expense (or loss) should something happen to yourself or your vessel while engaging in an activity or covered event.
Boat or other watercraft insurance policies are often written to include coverage for liability of the operator, damage to the vessel or personal property onboard, medical expenses of passenger and other parties, and property damage to other parties. Additionally, recreational and watercraft insurance polices can include coverage for expenses relating to towing or ruined trip plans.
Important Note: Mandatory insurance requirements listed do not take into account restrictions and requirements set by lenders. If you lease or are making payments on your vehicle, you may be required to carry coverages and limits beyond what the state of Florida has set.