Chester Insurance: Auto Insurance in Deerfield Beach, Florida

An Inconvenient Necessity in Florida: Why is it Mandatory to Have Car Insurance?

Even the best drivers can be liable for things beyond their control. That’s why all drivers in Florida, regardless if you are driving in Deerfield Beach, Fort Lauderdale or West Palm Beach, Florida must protect fellow motorists by carrying liability auto/car insurance. As a driver, you might not be able to avoid every driving hazard or accident, but you can be the good guy and make sure you protect other drivers in case something should go wrong by maintaining proper automobile liability insurance. Also, having the right insurance will help you avoid fines as the state of Florida has a mandatory requirement for all registered motor vehicles to carry auto liability insurance.

auto insurance Deerfield beach

Chester Insurance: The Insurance Agency That Works for You

If you’re searching for auto insurance in Deerfield Beach, Fort Lauderdale, West Palm Beach or its surroundings in Florida, your range of insurance carrier and agency choices may seem overwhelming. At Chester Insurance of Deerfield Beach, FL we can help you make sense of all the options. We offer a variety of car insurance coverages for Florida drivers of all ages and risk levels.

We believe a properly-written auto insurance policy is readily understandable and easy to comprehend. Our independent Florida agents write each policy with that philosophy in mind.

If you don’t understand something, ask us. Chester Insurance is here to answer all your questions, and to provide all the information you need to make informed coverage decisions about car/ auto insurance in Southeast Florida.

What Car Insurance Coverages Are Required in Florida?

You may be driving in Deerfield Beach, Fort Lauderdale or West Palm Beach, Florida, regardless, the state of Florida by law requires you to carry certain auto insurance coverages at all times. You must have these coverages in the following minimum requirements to legally operate a vehicle in Deerfield Beach, Fort Lauderdale, West Palm Beach or any other part of Florida:

  • Property Damage coverage: $10,000 per accident
  • Personal Injury Protection: $10,000

What Are the Different Types of Auto Insurance Coverage?

An auto insurance policy can include many different kinds of coverages for your automobile. Our knowledgeable agents at Chester Insurance of Deerfield Beach, FL will work with you to find the coverages that best suit your individual circumstances and needs. We'll strive to meet all your insurance needs in a timely, professional manner while remaining ever-mindful of your budget. Below are the principal kinds of insurance coverage that your policy may include:

Collision and Comprehensive Coverage

Collision coverage insures you against damage to your vehicle caused during any vehicular accident in Deerfield Beach, Fort Lauderdale, West Palm Beach, Florida and beyond. This insurance coverage is the financial lifesaver you may need one day should you total your car in an accident or total someone else's car.

Comprehensive (other than collision) coverage insures you against all other physical damage to your car which is not caused by a vehicular accident. This includes events such as fire, theft, flood, and vandalism.

Liability Insurance Coverage

Liability insurance coverage by Chester Insurance of Deerfield Beach pays for medical bills for any injuries or damage you may cause to other people's cars or property when you are the one at fault in an auto accident.

Let's say you are driving around Miramar, Florida and you accidentally back up into a boat by a dock and cause some major damage. Would you be able to pay the bill for any damages or injuries you may cause completely out of pocket?  Save yourself the stress, purchase comprehensive auto/car insurance liability coverage from Chester Insurance!

Medical Payment Coverage

Medical Payment auto insurance coverage pays for any medical expenses that result from an auto accident, no matter which driver was at fault. This insurance coverage pays for the treatment of any injuries of you and your passenger that transpire during the accident, up to a specified dollar limit based on the medical payment insurance coverage that you carry. An experienced insurance agent from Chester Insurance can help you decside what dollar limit amount you should choose to have on your policy baed on your specfic needs and budget.

 

Personal Injury Protection Coverage

Personal injury protection or PIP is an extension of car insurance that pays for medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work. Personal injury protection will cover you no matter who was at fault for the accident. This coverage also pays for your the medical expenses of your passengers.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured auto coverage is insurance coverage that protects you from drivers that do not have enough insurance coverage or no insurancr at all. It pays for your medical expenses and damages if you are injured by a person who is completely uninsured or doesn't have enough liability insurance to cover your injuries. This auto insurance coverage also covers and pays for car accidents caused by hit-and-run drivers in Florida.

Optional Coverages

Optional or special coverages can also be purchased. These auto/car insurance coverages include extra auto insurance coverage for unpredictable situations. For example, you may purchase roadside assistance coverage for emergency situations that may require your car to get towed or for more minor situations like help with changing a flat tire or someone bringing you gas in case you run out on the road.

Chester insurance can also provide optionl car insurance coverage that covers rental car reimbursement for when your car is in the shop.

Standard & Non-Standard Auto Insurance 

At Chester Insurance of Deerfield Beach, Florida,  we write standard and non-standard auto insurance policies alike. Chester Insurance of Deerfield Beach, Florida is the insurance agency for all.

What is Standard Auto Insurance?

What is a Standard Car Insurance Policy? Standard auto insurance in Florida is designed to cover “preferred” and “super preferred” drivers. This group of drivers includes:

  • Older drivers
  • Drivers whose driving record indicates maturity behind the wheel
  • Drivers with few or no tickets and/or accidents

What is Nonstandard Auto Insurance?

At Chester Insurance, we know that accidents happen, from bad drivers to hazards that cannnot be avoided, accidents are bound to happen one day. That’s why we offer coverage for higher-risk, non-standard drivers, too. This group of drivers includes:

  • New and younger drivers
  • Drivers with SR22s
  • Drivers whose record behind the wheel indicates a lack of experience or maturity
  • Drivers with numerous accidents and/or tickets
  • Discounted Car Insurance with Multiple Policies

If you purchase car insurance coverage through Chester Insurance of Deerfield Beach, FL you may be eligible for multi-policy discounts.Whether you’re an existing customer with our agency or not, ask about multi-policy discounts when you bundle auto/car insurance with any of our other quiality insurance policies.

For a FREE Quote on Auto Insurance in Deerfield Beach, Florida, Contact Chester Insurance

At Chester Insurance, we are passionate about making sure our community has proper auto insurance coverage. Our professional auto/car insurance agents in Deerfield Beach, Florida, serve Boca Raton, FL, Delray Beach, FL, Fort Lauderdale, FL, West Palm Beach, FL, Wellington, FL and their surroundings. They can assist you in finding the right car/ auto insurance policy for your needs. If you’re ready to start a new friendship with an auto insurance agency that cares, call Chester Insurance today at 954-315-4000. Or for a free online auto insurance quote, just fill out the "get a quote form" on this page.

Chester Insurance: We've Got You Covered Florida!