West Palm Beach, Florida Auto Insurance
American US Insurance is committed to provide our customers with the most affordable and best quality auto insurance plans available. Representing many A+ rated carriers, we are able to offer several auto insurance options and insurance products at excellent prices in West Palm Beach, Florida. We will do a complete review of your current auto insurance policy and discounts to find you the best deals in the market. Our Florida licensed agents will look at every detail to help you save as much money as possible and get you the cheapest car insurance policy you can get, with the right coverage you need.
West Palm Beach, Florida Auto Insurance Coverage
Collision and Comprehensive (other than collision) Coverage (Coll & Comp)
Collision and Comprehensive (other than collision) coverages pay for damage to your car. You can purchase either or both coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium but also the more money out of pocket if you have a claim. Consider your options when purchasing car insurance in West Palm Beach, Florida & call American US Insurance at 800-868-9170 for a FREE no obligation review of your auto insurance policy.
Liability Insurance Coverage (BI & PD)
Liability coverage pays for injuries you cause to other people and damage you cause to someone else’s property when you are at fault in an automobile accident. This is a very important section of your car insurance policy since it will protect you from being sued by other parties for injuries you may cause to others. In our state the bodily injury liability insurance coverage is optional, but very important and we at American US Insurance always recommend you to carry at least the minimum which is $10,000/$20,000, although it is always better to have higher limits to protect yourself and your assets.
Medical Payments Coverage (MP)
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection (PIP)
In Florida is required to have Personal Injury Protection, which is also known as No-Fault coverage or PIP. This coverage pays for medical and rehabilitation 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.
Uninsured/Underinsured Motorist coverage (UM)
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional Insurance Coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required but very important in the event of an accident. Let our licensed agents at American US Insurance review your auto policy to make sure you have the right coverage needed.
How much coverage is necessary?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
West Palm Beach, Florida insurance discounts
Drivers based discounts: good driving discount, paperless discount, auto pay, good student discount, 5 years accident free, multi car discount, prior insurance discount, homeowner discount, paid in full, advanced quote, multiple lines with the same company, agency transfer discount.
Vehicle based discounts: anti-lock brakes, anti-theft alarm, rear view camera, airbags, new vehicle purchase, break assistant, lane departure discount.
Our professional insurance agents in West Palm Beach, Florida including the Miami Beach, Ft Lauderdale, Boca Raton, Orlando and Naples area can assist you in finding the right auto insurance you need. With a detailed review of your current auto policy and applying all available discounts, you surely will get a very cheap car insurance policy to cover yourself, your car & your assets.