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Auto Insurance Quotes in St. Petersburg, FL

Anthony B. LoSchiavo, Agent

727-343-8899

2752 66th Street North
St. Petersburg, FL  33710
Fax : 727-343-8895

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What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the b a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in St. Petersburg, you can get a Free Auto Insurance quote today. 

Simply call 727-343-8899 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in St. Petersburg.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in St. Petersburg.
  • We help you settle your claims quickly and fairly.

Simply call 727-343-8899 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in St. Petersburg will help you find the best deal for you.

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About Auto Insurance in St. Petersburg, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

St. Petersburg, FL drivers are required to have a minimum of property damage coverage and personal injury protection. Anthony B. LoSchiavo at GreatFlorida Insurance St. Petersburg, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

Anthony B. LoSchiavo at GreatFlorida Insurance in St. Petersburg, FL shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 727-343-8899 or complete our online quote request form.

Florida Auto  Insurance Blog
by GreatFlorida Insurance
7/19/2017

Does yours make the list?

“A vehicle is stolen in the U.S. every 45 seconds,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

The National Insurance Crime Bureau (NICB) recently released their annual “Hot Wheels” report. It identifies the 10 most stolen vehicles in the United Sates.

Here are the top 10 most stolen vehicles in the U.S. in 2016, (the model year most stolen is in parentheses).

  1. Honda Accord (1997)
  2. Honda Civic (1998)
  3. Ford Pickup, full size (2006)
  4. Chevrolet Pickup, full size (2004)
  5. Toyota Camry (2016)
  6. Nissan Altima (2015)
  7. Dodge Pickup, full size (2001)
  8. Toyota Corolla (2015)
  9. Chevrolet Impala (2008)
  10. Jeep Cherokee/Grand Cherokee (2000)

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Honda Accords and Honda Civics make-up 42 percent of all top 10 thefts. These are mainly older, pre-“smart key” models. Honda has also equipped their more recent models with other anti-theft technology, greatly reducing the number of newer Civics and Accords from being stolen. Consequently, car thefts in general are down since their all-time high in 1992.

Surprisingly, the report reveals thousands of cars are stolen every year for a rather careless reason, because owners leave their keys or fobs in the vehicle. “Most vehicles are stolen from driveway’s,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance provider.

The Polk County Sheriff’s Office provides the following tips to keep your vehicle from being taken.

Never leave your car running while unattended, even for a couple of minutes.

Always lock your car and take your keys with you.

Close your windows and sunroof completely.

Do not keep an extra set of keys in a “hiding place.”

When possible park your car in a locked garage or well-lit area.

When selling a car, never let a stranger take it for a test-drive

Drop your business card or a return address label down into window channels for later identification.

Florida law requires that you have your license and registration with you in your vehicle, make a copy for you and other drivers and keep it in your wallet instead of your glove box. Some people who have their cars stolen also become victims of residential burglaries.

If your car is stolen, do not panic. Call your local law enforcement agency and your insurance agent. GreatFlorida Insurance can handle all your car insurance needs from the basics to full replacement costs.

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The post Top most stolen cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/5/2017

The Florida Department of Agriculture and Consumer Services report they have found and removed 276 credit card skimmers from gas pumps so far, this year.

“Credit card skimmers are a lucrative business,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Skimming devices are often placed on ATMs and gas pumps to record bank and credit card information of unsuspecting users.

The Department of Agriculture and Consumer Services provide the following tips to avoid credit card skimmers at gas stations.

Pay in cash inside the store to ensure your credit card information stays safe.

Check to make sure the gas pump dispenser cabinet is closed and has not been tampered with.

Use a gas pump closer to the front of the station. Thieves often place skimmer at the gas pumps farther away from the store.

Use a credit card instead of a debit card. Credit cards have better fraud protection and the money is not immediately deducted from an account.

If using a debit card at the pump, choose to run it as a credit card instead of putting a PIN number in, to keep the PIN number safe.

Monitor bank accounts regularly to spot any unauthorized charges.

Consumers who suspect their credit card number has been compromised should report it immediately to authority and their credit card company.

“These crimes are often committed by crime rings that stand to make hundreds of thousands to millions of dollars off the crime,” says Buck from GreatFlorida Insurance, Florida’s top independent auto insurance agency.

So, how do they work?

The Palm Beach Post reports, thieves obtain a universal gasoline pump key that unlocks most of the nation’s gas pumps. A small device is then installed inside the pump’s cabinet.

Cyber security expert, Brian Krebs explains, “Most internal, modern pump skimmers are built to record data on a storage device that can transmit the data wirelessly via Bluetooth technology.” Some thieves can even receive the stolen information via text on their mobile devices. Once they have your stolen credit card information they often make counterfeit cards or sell off your credit information.

GreatFlorida Insurance provides affordable auto insurance to suit the right amount of coverage you need. Contact us today.

Florida-Auto-Insurance

The post Credit card skimmers are on the rise at gas stations appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/22/2017

An unusually active hurricane season has gotten off to an early start this year. The National Oceanic and Atmospheric Association (NOAA) has made their predictions for the Atlantic hurricane season. The season occurs  from June 1 – November 30. NOAA  believes 11-17 storms will be named. Five to nine storms will become hurricanes and two to four will develop into major hurricanes.

Many Floridians have proper supplies and food in preparation for a storm, but what about the car? “The majority of damage done to vehicles during a hurricane or tropical storm is from wind and water,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

FINAL 0523 Hurricane Graphic_pie chart-700x400

Incidentally, water damage can total your car. To prevent your car from damage here are some tips from Ready.gov:

If possible, move your car into a garage or covered area before a storm.

Have a full tank of gas if an evacuation is possible.

If you are caught in your car during a storm and the water is rising, move out of the car and get to higher ground.

Do not drive through a flooded area. Six inches of water can cause a vehicle to lose control and possibly stall. A foot of water will float many cars.

Be aware of areas where floodwaters have receded. Roads may have weakened and could collapse under the weight of a car.

Before the next storm ramps back up, make sure you have the proper car insurance in place.  Collision covers your vehicle if it is hit or if it hits anther object including a car. During a storm, you can easily lose control of your car and crash.

“Comprehensive coverage includes flood damage,” says Buck with GreatFlorida Insurance, Florida’s leading independent car insurance company.

Before you file a claim with your insurance company, take note of any electrical problems, rust, upholstery discoloration and staining, brittle wiring, silt and mud inside the vehicle and mildew or mold from moisture.

Additional assessing of your vehicle includes, checking the oil indicator. If it is too high, there may be water in your engine. You do not want to start your car because it can cause damage. Also, determine how long your car was submerged and how deep the water was. Was it fresh or saltwater? Fresh water is less damaging. By the way, warmer weather after a storm can accelerate corrosion.

If you are looking for affordable car insurance, check out GreatFlorida Insurance today.

Florida-Auto-Insurance

The post Is your car storm ready? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/17/2017

It was a busy legislative session in Florida this year. State legislators filed about 1,900 bills. Only 12.6 percent, or 234 bills, were passed by both the House and Senate chambers, according to the Tampa Bay Times.

“The fewest in at least 20 years,” reports the Sun Sentinel.

“There were three insurance related bills, whether you support them or not, all of them failed,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent auto insurance agency.

Listed below are other successful and unsuccessful proposals politicians had to consider in 2017.

 Passed

$82.4 billion state budget approved

A plan to build reservoirs south of Lake Okeechobee to treat polluted water before it flows downstream into Florida Bay. This is in response to toxic algae blooms.

Grocery stores and big box stores such as Walmart and Target can sell liquor.503073214_19256215_8col

Ride-sharing companies such as Uber and Lyft cannot be regulated by local governments but establishes statewide requirements for insurance and background checks.

Boat owners who have locator beacons will receive boat registration fee discounts

Parents and school district residents will have an easier time challenging educational material used in classroom instruction or school libraries, including books, pamphlets and presentations a parent finds objectionable, offensive or inappropriate for the age of the student.

More support for students to express their religious beliefs in public schools, while requiring school districts to adopt policies allowing “limited public forums” for students to pray at school events.

 

Failed

The repeal of PIP, personal injury protection as part of car insurance. “A repeal would lower the costs for people who currently carry bodily injury protection as part of their car insurance, but increase it for people with policies covering the minimum,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance agency.

A bill to repeal Florida’s red light camera law

A requirement that first time DUI offenders have an ignition interlock device installed in their vehicle.

Ban on the use of disposable plastic bags.

Cities and counties cannot pass new regulations on private homes used as vacation rentals such as Airbnb and HomeAway.

Assignment of Benefits-Changes a policy that allows homeowners in need of property repairs to sign over benefits to contractors, who then pursue payments from insurance companies, to curb litigation claims.

Call GreatFlorida Insurance for all your auto insurance needs. We can craft a policy to suit your needs. Contact us today.

Florida-Auto-Insurance

The post Winners and losers from the 2017 Legislative Session appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/27/2017

After spending a good amount of money and time planning your ideal trip you might be thinking of  purchasing travel insurance. But, you might already be covered.

Homeowners insurance, renters insurance, auto insurance and medical insurance follows you on vacation,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider. That includes; rental cars, illness, stolen items, lost luggage, accidental injuries and property damage. Before you buy travel insurance, check your policy and see what is currently covered. You want to avoid paying for insurance coverage beyond what is necessary.

Medical coverage

Your current health insurance policy could provide adequate coverage on your travels. Check coverage in the area you are headed. You might be surprised to find doctors and facilities that accept your health insurance even overseas.  The U.S. Department of State urges international travelers to make sure they have health insurance where they are traveling. Many foreign doctors and hospitals require cash payment and emergency medical evacuation can cost up to $100,000. Also, Medicare is not available outside of the country.

While illness is covered during your travels, a pre-existing medical condition might not be. This is a detail you will need to review with your insurance agent.

Lost or stolen items

It is a pain to arrive at your destination without your luggage. The U.S. Department of Transportation limits lost baggage claims to $3300. Keep in mind, airlines account for depreciation of your stuff so if you are traveling with golf clubs or pricey camera equipment you might want to make sure your luggage is covered. Stolen items and lost luggage are reimbursed under your homeowners insurance and renters insurance policy.

“Make sure to know your insurance coverage deductibles and limits before taking off on vacation,” says Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Rental cars

Auto insurance will extend to a rental vehicle. If you cause an accident while driving a rental car, the liability portion of your auto insurance would cover the damages to other cars or property.

Travel insurance

One of the most common misconceptions about travel insurance is the idea that you can cancel for any reason and be reimbursed. Travel insurance will reimburse you on a majority but not all expenses. Like other insurance policies, the amount you pay for travel insurance will depend on a few variables. The type of coverage you choose, how many people are traveling in your party, age, destination and the length of travel. You can expect to pay 5 to 15 percent of the cost of our trip. The deductible amount is usually $200.

Make sure you are not paying for insurance you already own. Check out your current health insurance, auto insurance, renters insurance and homeowners insurance policy to see how much you are covered for while on vacation.

Contact GreatFlorida Insurance for all your insurance needs today.

 

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The post Are you insured on vacation? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/22/2017

Harsher penalties are looming for first-time drunk driving offenders.

A Florida bill (HB 949) that requires an ignition interlock device installed in a driver’s car after their first drunk driving conviction has passed its first committee in the Florida House of Representatives. On Tuesday, it passed through the Transportation and Infrastructure Subcommittee. The bill must pass through two more committees before reaching the House floor.

“The motive behind introducing a bill like this is to prevent drinking and driving while keeping others safe, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

InfographicStat-67reductionInRepeatOffenders

Current law only requires first-time DUI offenders to install an interlock device if the person had a .15 percent blood alcohol content or more, or if a minor was in the vehicle.  Also, devices are mandatory for offenders with multiple DUI’s.

Drivers required to install a device must contact an approved vendor for installation. The cost to lease a device ranges from $50 to $100 per month.

“Damages from DUI’s come in at over $50 billion year,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance agency.

In order to understand how it works, a driver blows into the device and it measures a person’s breath alcohol content. The IID only allows the vehicle to start if their blood alcohol content is below the legal limit.

Opponents worry the legislation could be too harsh for first time offenders. However, The National Highway Traffic Safety Administration (NHTSA) reports about one-third of drivers arrested or convicted of drunk driving are repeat offenders.

On the other hand, supporters feel the bill will help save lives. According to Mothers Against Drunk Driving (MADD) a drunk driver has driven drunk 80 times before their first arrest. MADD supports the use of ignition interlock devices. They believe that suspending the license of these drivers makes sense. Unfortunately, three out of four of those with a suspended license continue to drive.

GreatFlorida Insurance is aware, everyone makes mistakes. Not only do we provide quality car insurance, but we also offer SR-22 insurance and FR-44 insurance. Contact us today.

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The post DUI ignition interlock bill gains momentum appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/8/2017

While Florida does not require you to get boat insurance before you register your vessel, boat insurance is a good idea. Boat insurance offers protection from the responsibility of owning, operating and towing your boat.

“Many homeowners, mistakenly assume a boat is covered under their homeowner’s insurance,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.“Depending on your homeowner’s policy, you might have limited coverage on a small vessel on your property.”

As a matter of fact, if your boat is financed, your lender may require you to have boat insurance. Also, certain marinas and harbors require insurance for you to dock your boat.

Much like car insurance, there are different options to choose from when it comes to buying boat insurance. Your insurance needs depend on the type of watercraft you own while selecting the option you feel most comfortable with.

boat-accident

Buck, with GreatFlorida Insurance explains the difference between liability, collision, comprehensive and medical coverage.

Liability Losses– this will cover bodily injury and property damage in an accident where you are at fault.

Comprehensive and Collision Physical damage or comprehensive and collision will cover any out of water incidents. Collision covers damage to a boat involved in a collision. Comprehensive coverage protects your boat if it is stolen, damaged by a fire or vandalized.

Uninsured Coverage– this will cover costs for damage and injuries if you are involved in a collision with a boater that does not have boat insurance.

Medical Coverage– will cover costs related to injuries suffered in a boat accident. Check your health insurance first, it could provide the adequate coverage you need.

Additional coverage is also available for fishing equipment and other boat related personal property you want to insure.

Financial Website, Money Crashers recommends purchasing comprehensive coverage if you have a loan on your boat or you own a newer model.

When purchasing boat insurance, you must also choose how the insurance company will pay you in the event of a claim.

The National Marine Manufacturers Association (NMMA) encourages boat owners to insure their boat for the amount it would cost you to replace it which is the “Agreed Value.”

The “Actual Cash Value” coverage reimburses you the current market value for your boat or personal belongings. Because everything depreciates, you will usually get less than what you originally paid.

As a final point, boat repairs can be costly making boat insurance a great defense to protect your investment.

GreatFlorida Insurance covers a wide variety of boats including yachts, ski boats, pontoons, jet boats, sailboats, bass boats, commercial vessels also cover personal watercraft such as a Wave Runner.

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