Maybe you are moving from another city in Florida to Ocala. Or, you are a new Florida resident, and have decided that Ocala is the perfect place to settle. Moving to a new town means a lot of preparation. You often have to transfer all of your assets and legal responsibilities to your new hometown. Among these are your vehicle and auto insurance. If you are moving from out of state, you will need to obtain a Florida auto insurance policy, before getting a Florida driver's license or car tag.
When moving to Ocala, you have to take your auto insurance needs and vehicle risks into account. Every location comes with its own, unique operating risks. Auto insurers often use location to determine a portion of the risk they assume by insuring a driver. New Ocala residents should therefore carry auto insurance specific to their needs.
Getting Appropriate Insurance Levels
Determining how much auto insurance you need in Ocala often involves analyzing insurance requirements as well as local risks.
We write our auto policies with at least $10,000 in Bodily Injury, in addition to the Florida required minimum auto insurance levels, listed below. This protects our clients from being personally liable for bodily injuries in an At-Fault accident.
- $10,000 personal injury protection (PIP) coverage
- $10,000 property damage liability coverage
Most of our clients choose higher limits of liability coverage to protect their personal assets, in case of an At-Fault accident. As an Ocala driver, you might need to buy comprehensive coverage, collision coverage, medical payments, towing and rental car reimbursement to protect you and your vehicle.
Let's say your vehicle gets stolen, and you only have the minimum state insurance. Auto policies will only cover theft under comprehensive policy protection. Collision coverage is needed to cover the damage to your vehicle in many accidents.
Liability only policies, likely won't cover a claim if your vehicle needs to be replaced or repaired.
Determining Your Coverage Levels and Anticipated Costs
Your auto insurance agent may be able to help you determine how to set coverage levels according to your needs. They can also take your cost needs into account to make sure you can afford your policy.
We represent many auto insurance companies and will help you find the best value in coverage and price. We explain all available coverages and help tailor a policy to cover your specific needs as an Ocala driver.
We can often apply discounts that will help you in keeping your costs reasonable.
Do you need coverage? We can help. Call Ahrens Insurance Agency at (352) 368-7090 right now, and we can help you get a free Ocala auto insurance quote. Or fill out our short on-line quote request.