Thinking about buying a new car for you or a loved one in the new year? Buying a new car does not simply mean searching for and purchasing the car that works for you. It also comes with other considerations, such as getting the auto insurance you need to properly protect your new vehicle and anyone driving it. Keep reading to discover some great auto insurance tips for purchasing a new car.

What are the Minimum State Insurance Requirements?

The first thing to look at when considering your insurance needs for your new car is what are your state’s minimum insurance requirements. Many drivers will elect to purchase policies that go beyond the minimum coverage required by the state, but it is important to know what you need to be legally insured.

If you are considering purchasing a new car in Florida, there are some state coverage requirements to keep in mind. In Florida, the law requires drivers to carry two types of car insurance policies, a personal injury protection policy and a property damage liability policy.

The first policy, personal injury protection or PIP, protects you in the event of a car accident resulting in bodily injuries. Your PIP will help cover the costs of medical bills due to an accident regardless of who was at fault. In Florida, the minimum requirement for personal injury protection policies is $10,000 per accident.

You will also need a property damage liability policy or PDL. Property damage liability policies typically help you cover the costs to another person’s vehicle or property when you are at fault in an accident. Again, Florida requires you to have a minimum PDL policy of $10,000 per accident.

It is important to note that many people choose policies higher than the minimum state requirements. Why you ask? In the event of a very serious accident, medical bills and property damage costs could be exorbitantly high. This could lead to you paying a lot of money out of pocket beyond what your insurance covers.

How Much Coverage Do You Need?

The next step when thinking about purchasing car insurance for a new vehicle is determining how much coverage you really need. Deciding how much coverage you need is a personal choice and can depend on the level of risk you are willing to take on with your vehicle.

One thing to consider when thinking about how high of a policy limit you want to purchase is what the total value of your assets are. Be sure to get a policy high enough to protect your assets in the event that you are at fault in an accident.

For example, if you have $40,000 in assets and cause an accident, but only have a $20,000 policy, the other party could go after your $20,000 worth of assets not covered by insurance. However, if you do not have assets to be claimed, you may not need more than the state minimum requirements.

Another important factor to consider is your driving habits and history. If you are often in fender benders or have a tendency to hit inanimate objects, you may want to think about purchasing more complete coverage.

Many people also choose to purchase comprehensive coverage. Comprehensive auto insurance helps protect your vehicle from damage that occurs while you were not behind the wheel. This could be a branch falling on your car while parked or someone vandalizing your vehicle.

Look For Competitive Pricing

Once you know just what kind of policy you are looking for, it is time to shop insurance providers for a quote that best works for you. Be aware that your past driving record can play a very important role in determining the prices of the quotes you receive.

Now this may not be the most exhilarating aspect to buying a new car, but taking the time to thoroughly research your insurance options and get multiple quotes can end up saving you hundreds of dollars in the long run. A reward that is well worth the time and effort.

The easiest ways to get car insurance quotes are to either look up the information online by visiting insurance company websites and entering in your desired coverage needs, or to call companies and speak with an insurance broker. Keep a pen and paper handy so you can take diligent notes during this process.

Once you have a list of quotes that best work for you, it is time to compare. Keep an eye out for discounts offered by certain companies, such as discounts for safe driving or for certain safety and security equipment that comes with your car. Some companies will even offer discounts for bundling your home and auto insurance.

Another consideration when comparing auto insurance policies is to look at the companies themselves. Finding a price that works for you is important, but you also want to be confident that your insurance provider is going to treat you right and take care of you in your time of need.

Ready to Drive!

After you have compared the quotes available to you and found just the right insurance policy for you, you are almost ready to take that new vehicle out for its inaugural drive. Make sure you review your policy thoroughly before committing to it. When you are satisfied that everything is in order you can seal the deal and get behind the wheel!

If you are looking to purchase a policy to insure your vehicle in 2020, but need help getting your search started, Talley Insurance is here for you. Contact the experts at Talley Insurance and learn more about auto insurance options today. Give us a call at (813) 685-9393!

Today, you can purchase just about anything for your car online — parts, accessories, gadgets. You can even buy a new car with just a few clicks, so it comes as little surprise that car insurance is now available online, too. Your choice of car insurance is an important decision, one with potentially long-lasting ramifications.

Whether you purchase car insurance online or in person, you want to be certain that your policy provides the coverage you need to feel secure every time you hit the road. This isn’t a decision that should be taken lightly, which is why we’re breaking down the pros and cons of purchasing car insurance online in this article.

The Benefits Of Purchasing Car Insurance Online

It’s not hard to see why many people are purchasing car insurance online. Like most things people buy on the internet, convenience plays a huge factor. But convenience can only take you so far when it comes to protecting one of your most valuable assets: your vehicle. That said, purchasing car insurance online has plenty of positives that should be considered before you decide to go all-in on a policy.

You Can Buy Your Insurance Anytime – Day Or Night

Life can be downright chaotic at times. Whether it’s work, school, taking care of of your children, or any combination of the three, life comes at you quick, and once you’re busy, it can be hard to find the time to take care of things like purchasing car insurance. Unfortunately, when a police officer pulls you over and asks to see proof of insurance, they’re not going to be pleased when you tell them that you haven’t had time to purchase a policy. By purchasing car insurance online, you don’t need to worry about taking too much time out of your day. Online car insurance providers are always open for business, so you can shop policies whenever.

You’ll Get Instant Access To Your Car Insurance Documents

Another neat feature is the ability to print your insurance documents whenever and wherever you want. As long as you remember your login credentials, you’re in business, which means you’re less reliant on an insurance card. Plus, you’ll have access to your policy information at all times.

There Are Aggregators That Help You Compare Options

With so many coverage options available, you’re going to need to do some research before you find the right policy. Fortunately, aggregator websites can hep you compare policies. They typically start by asking you some simple questions (name, address, car make and model, miles, year, etc.) before generating a list of suitable policies. It’s not an exact science, but it should net you a competitive rate, even if it’s not exactly what you’re looking for. If you want to research policies on your own, there’s plenty of information out there to help you make an informed decision.

What Are The Drawbacks To Purchasing Car Insurance Online?

When shopping policies online, you need to take extra care as you’ll be faced with a dizzying number of options. Literally. There are thousands of insurance providers online vying for your business, which can be daunting without an agent on hand to answer your questions and guide you to the right policy for your needs. If that sounds intimidating to you, buying car insurance online might not be the right decision for you

May Feel Overwhelmed If You Don’t Have Prior Insurance Knowledge

Needless to say, there’s not going to be an agent in your living room while you browse through policies on your laptop. Prior insurance knowledge is a tremendous asset when shopping for car insurance online. Most websites have agents that can be reached by phone, but you never know how long it’s going to take to get someone on the line (or if they’re going to be of help). If your issue isn’t resolved the first time and you’re forced to call the helpline again, you’ll have to start the entire process all over again. This can take days whereas a single in-person consultation can match you with a policy in one session.

Online Car Insurance Isn’t As Cheap As You May Think

One of the most frustrating aspects of buying car insurance online is the lack of guaranteed quotes. Online quotes can jump from one day to the next, and you’ll never be entirely certain of the final price until right before you pay. Furthermore, if you chose the wrong policy, you could end up overpaying for insurance that doesn’t do what you need it to do. Keep in mind that policy prices reflect their coverage. You can always keep digging to find a cheaper policy, but that doesn’t mean it will be a good policy. When you work with an agent, they can take your budget into consideration as they explore your options, ensuring that you’re comfortable with your policy’s cost and coverage.

You Might Miss the Option To Bundle Home & Auto Insurance

There are some terrific discounts available for homeowners that bundle home and auto insurance. These multi-policy discounts can help you obtain strong coverage for a great price. This is one luxury that most online insurance companies rarely offer, and it’s one that most people who rely on brick and mortar insurance companies take advantage of. Seriously, multi-policy discounts can save you a pretty penny, and bundling with an agent’s help ensure that all of your most valuable possessions are protected.

Call Talley Insurance Instead

Shopping for car insurance online certainly has its merits, but there’s no denying the fact that a lot of guesswork goes into the process and there’s no guarantee that you’re getting the best price, the best coverage, and the best service. Just as quickly as you can search for car insurance online, you can dial 813-685-9393 to speak directly to an agent from Talley Insurance. Our experienced agents can answer all of your insurance-related questions and provide you with a free quote. By working with more than 25 carriers, we can tailor a policy to your needs and ensure that your vehicle is fully protected.

Different drivers have different insurance needs. Depending on how (and how much) you use your vehicle, your policy could run the gamut from the bare minimum required by the State of Florida to something much more robust. At the very least, you must have a minimum of $10,000 in personal injury protection (PIP) and property damage liability (PDL) automobile insurance to get on the road, but that’s not going to take you very far when bad luck strikes.

According to auto insurance industry estimates, the average person will be in four accidents over the course of their life, which means your next insurance claim is a matter of when, not if.

Some of these accidents will be minor, like fender benders on the way to work and garage door scrapes when you’re in a hurry. Others will be significant, rendering your vehicle inoperable for days or weeks at a time. And then there will be acts of God that you could have never seen coming. If you seek peace of mind, comprehensive auto insurance can help you fill in the gaps in your existing coverage. You’ll enjoy the security of worry-free driving, and your car will enjoy the perks of 360-degree coverage.

What is Comprehensive Auto Insurance?

Comprehensive auto insurance helps protect your vehicle by safeguarding it against the unexpected. Superstitious folks prefer comprehensive auto insurance because it protects them from black cats and broken mirrors. That’s a joke, but this type of policy is anything but; and it will protect you from the types of cruel, random phenomena that can only be attributed to bad luck.

What Does This Insurance Cover?

Your comprehensive auto insurance policy is like a bubble around your vehicle protecting it from harm. Unlike your liability insurance, which covers anything involving personal injury or property damage, comprehensive insurance covers non-vehicle related accidents, including:

  • Earthquakes
  • Falling objects (i.e., tree limb)
  • Fire or explosions
  • Floods
  • Hail
  • Hitting an animal
  • Lightning from thunderstorms, hurricanes, etc.
  • Theft
  • Tornadoes
  • Vandalism and other cases of civil disobedience (i.e. riots)
  • Windshield damage

Comprehensive auto insurance is just that — comprehensive. But it doesn’t cover everything. Damage to your car or another person’s car from a collision are still going to cost you, as are medical expenses for you and your passengers.

Comprehensive vs Collision Insurance Coverage

There’s more than one way to expand your insurance coverage to protect your assets against the unexpected. Collision insurance will help you pay for any needed repairs in the event of a car-on-car accident. It covers collisions with other vehicles and collisions with stationary objects (i.e., fences, light poles, etc.). It also covers single-car rollover accidents, which can be beneficial for those navigating Florida’s slick highways during during the summer months.

Similar to comprehensive coverage, collision coverage will require the policyholder to pay a deductible in order to receive the actual cash value for any necessary repairs or replacements for a damaged vehicle. What it does not cover is damage to another person’s vehicle. In other words, if you were involved in a crash with another driver, and it was later determined that you were at fault for the crash, your collision insurance would cover your vehicle exclusively. Our advice? Drive safe, follow all traffic laws, and watch out for expensive imports!

Is Comprehensive Coverage Required by Law in Florida?

As we discussed earlier, Florida’s mandatory minimum insurance requirements for drivers is a mere $10,000 for PIP and $10,000 for PDL. Although not required by Florida law, comprehensive coverage is typically required for individuals looking to lease or finance a vehicle. Lenders will require you to obtain full coverage before your loan can be processed. They need to be certain that the vehicle they’re loaning is taken care of; comprehensive coverage plays an important role in achieving this goal.

For more information about Florida auto insurance, check out this video from Adam Talley:

Comprehensive Auto Insurance Limits

Policy limits are determined by the type of coverage the policy provides. Whereas limits for liability coverage vary based on the particulars of your policy, comprehensive auto insurance limits are consistent. You need not worry about whether or not your policy will cover damage to your vehicle caused by theft, vandalism, or weather damage; simply pay your deductible and let your insurance provider handle the rest. You will receive the actual cash value of your vehicle (accounting for depreciation) at the time of the accident.

Ways to Save Money on Your Premium

Comprehensive coverage is going to cost you more than a barebones liability policy, but you can save money by working with a trusted insurance provider. Independent insurance agents (like us) can help you shop for the policy that best fits your needs. Whether your lease agreement requires you to purchase comprehensive coverage or you’re taking the initiative yourself to protect your investment, you should compare plans from several providers before committing. This is one of the only surefire ways to get the best rate.

An independent insurance agency can help you save money on your premium, because they understand what impacts drivers in the local area. By working with multiple insurance carriers to find you the policy that bests fits your needs and budget, you’ll be able to see for yourself that you’re getting the best deal possible. When you shop directly, the insurance provider will generate a quote predicated on vague criteria. There’s a low level of personalization, and because of this, you don’t always end up with the policy you need.


Deciding whether or not you need comprehensive auto insurance will take a little introspection and a lot of back and forth with your insurance agent. Every time you sit down in the driver’s seat, you don’t want to be afraid to leave the garage. You want the right policy that makes you feel confident on and off the road.

We believe comprehensive auto insurance is an invaluable asset for the right candidate. Rideshare drivers, long-distance commuters, frequent travelers, and those who put miles on their vehicles expose themselves to more opportunities for non-car-related accidents.

Add to this the fact that natural disasters are a yearly occurrence in Florida, and it’s easy to see why many Floridians choose to expand their coverage. At best, you can save yourself the trouble of having to pay out of pocket for a vehicle that was flattened by a palm tree. At worst, you pay a little extra for peace of mind. Personally, we think this is a pretty fair trade-off, and we’re happy to help you obtain a policy that provides you with the coverage you need at a price you can afford.

Are you interested in learning more about comprehensive auto insurance for your vehicle? The experts at Talley Insurance are happy to answer all of your questions! Give us a call at (813) 685-9393!

In the latest post and video from Charles D Talley Insurance Agency, Inc, our resident insurance expert, Adam Talley, is talking about auto insurance in Florida. If you’re a driver in Hillsborough county, this is a video that you really need to check out.

When it comes to the State of Florida, there are two coverages that you absolutely need to have – these are state-mandated. You need to have at least $10,000 worth of property damage and personal injury protection coverage – otherwise known as PIP. Personal injury protection coverage for Florida drivers is also at a $10,000 limit.

As far as the State of Florida is concerned, these are the only two coverages that you need in order to be insured on the roads. That being said, you could find yourself in a bad situation if that this is the only thing that you have on your auto insurance policy in Hillsborough. We have a few more things we’d like to discuss if you want to be fully protected in case you ever get into a car accident.

How To Protect Your Car In The Event Of An Accident

To protect your car, you’re going to need to have comprehensive and collision coverage. Both of these usually come with deductibles. At Talley Insurance, these deductibles start out at $500. You can go as low as $100 or go as high as $2500.

Usually, $500 deductible will give you the best value for the resulting out-of-pocket expense.

If you combine comprehensive and collision coverage with bodily injury coverage, this is typically what other insurance agents in Florida consider to be full coverage for your car. However, this still doesn’t necessarily mean that you are fully covered in the event of an accident.

Bodily injury coverage starts as low as $10,000 per person and $20,000 per accident. Please know that these coverages are for when you are at fault for the car accident.

Will Your Auto Insurance Be Enough To Cover Your Medical Bills?

In 2019, $10,000 for one person usually isn’t enough to cover the medical costs incurred by their car accident injuries. That’s why these coverages can go all the way up to as much as $250,000 per person and $500,000 per accident.

There are a lot of different options when it comes to the level of coverage that you can get on your auto insurance policy. This is why clients like to work with independent insurance agencies like Charles D Talley Insurance Agency. You can reach one of our agents at (813) 685-9393 and they can go over all the options with you to ensure you’re getting the best value for your budget.

Florida drivers with comprehensive auto insurance in Hillsborough

Other Coverages To Consider for Your Auto Insurance Policy in Hillsborough

Next we’re going to go over some other types of coverages that aren’t always included in a Florida auto insurance policy. While a lot of drivers forego these options, they are worth considering and we want to make sure each of our clients understand that.

Uninsured Motorists Coverage

Have you ever wondered what would happen if you were in an accident that is caused by another driver that doesn’t have insurance? Sounds like a nightmare scenario right? Well this is why there is uninsured motorist coverage. This will protect you in the event of an accident where the at-fault driver does not have the proper auto insurance coverages.

In 2019, we feel this is a type of coverage that all of our clients need to consider for their auto insurance policy. As the price of insurance continues to climb, more drivers are choosing to forgo insurance altogether and run the risk. If you’re hit by one of these uninsured or underinsured drivers, you could end up paying for those expensive medical bills and car repairs out of pocket.

Please talk to your insurance agent about uninsured motorist coverage in 2019.

Roadside Assistance Coverage

This is the type of coverage that’s going to help you out when you’re stuck in those unexpected situations on the road. We’re talking about situations like getting a flat tire, running out of gas, a dead car battery or locking your keys in your car. These are the types of situations that could ruin an otherwise perfect day on the road.

Fortunately, roadside assistance coverage tends to be very, very affordable for drivers in Florida. Our agents usually are able to add this to a policy for as little as $10 to $25 for the entire year. That’s a really low cost, especially if you consider that it will probably cost you a hundred dollars to have someone come out to unlock your car or provide roadside assistance.

Rental Reimbursement Coverage

Now this is a type of coverage that you might not have ever heard about before. Rental reimbursement provides money for when you’re in a covered accident and you need to have a rental car. Essentially its protection against having to pay for a rental car out of pocket which can get really expensive really fast.

It’s coverage usually starts at $30 a day and is always for 30 day periods. So for a single month, you’re looking at about $900 in coverage for a rental car.


You’d be surprised to learn how many other coverages we still could go over when it comes to auto insurance in Florida. If you have questions about your current policy or if you are fully covered, and please give us a call today at (813) 685-9393.

As a parent, nothing is more important to you than your child’s safety. Over the years, you’ve chosen everything from their food to their schools with great care. Now that they are old enough to drive, you are likely putting that same care into the selection of your teenager’s first vehicle.

If it seems like a daunting choice, don’t worry! Choosing the best car for your child is not as tough as it may seem at first. At Charles D. Talley Jr. Insurance, our agents have helped many Florida parents get the best coverage for their teens before they hit the road. For starters, there are five key factors you should keep in mind when making this choice:

  • Reliability- It’s a great idea for your teen to learn how to change a tire, get in the habit of regular oil changes, and discern when they may need to take their car to the shop. However, you may regret purchasing an overly-high maintenance car for your teenager. You don’t want them breaking down at night or spending too much time and money on repairs!
  • Safety- This one is a given. Parents always want their children to be safe, and picking a safe car is a great start! Be sure to look for safety features like curtain airbags and electronic stability control. Also make sure the car you buy has received at least a “good” rating by the
    Insurance Institute for Highway Safety (IIHS).
  • Size- Disregard the common myth that “bigger” automatically means “safer.” While very small cars do not usually score well on crash tests, larger cars have a higher center of gravity, which makes them more likely to flip. The safest cars for teens are typically mid-sized or compact.
    Horsepower- When it comes to teens and horsepower, less is more. Young people can be easily tempted to test a powerful car, so it’s better to steer clear.
  • Affordability- Remembering to stay within budget is also important. While you may want to give your child the very best, buying a luxury car for a teenager usually isn’t practical–not to mention that many luxury cars also break the previous horsepower guideline.

These key factors serve as good general guidelines when purchasing a car. They will also come in handy when it comes to finding the right auto insurance coverage for your children. Using these recommendations, we have also compiled a more specific list of vehicles that are very well-suited for teens.

They are as follows:

The 2014 Chevrolet Spark

Selling Points

  • $12,170 starting MSRP
  • 31 mpg city/39 mpg highway

Though it’s on the smaller end of things, the Spark scored reasonably well on the IIHS’s safety ratings. Its modern look and cheerful colors are well-suited for teenaged drivers. Also, the price is really quite affordable.

The 2014 Ford Focus

Selling Points

  • 4-Door Sedan
  • $16,810 starting MSRP
  • 26 mpg city/36 mpg highway.

This sleek sedan is sure to appeal to your teen’s sportier side. With excellent safety test ratings and versatile appeal, this car does not disappoint. It’s even available in an electric version!

The 2014 Toyota Corolla

Selling Points

$16,800 starting MSRP
28 mpg city/37 mpg highway

“Toyota” is practically synonymous with “reliable.” Not only will your child be safe as a teen, but also as a college student and young adult. This practically bulletproof engine will ensure years of faithful service and safe passengers.

The 2014 Subaru Impreza

Selling Points

  • $17,895 starting MSRP
  • 21 mpg city/28 mpg highway

If you live in a rural area with dirt roads, it can be especially worrisome to have a teenager on the road. Luckily for families like yours, the all-wheel drive Subaru Impreza is a terrific choice for handling dangerous weather and compromised roads.

The 2014 Honda Accord

Selling Points

  • $23,625 starting MSRP
  • 27 mpg city/36 mpg highway

The Accord is one of the best-selling cars in the nation, and it’s easy to see why. With its long history of reliability, dependable safety features, and overall great performance, it’s the ideal car for anyone– including your teen!

Hopefully these five general guidelines and five specific examples have helped give you an idea of what car might be best for your teenager. In the end, the choice is personal and only you can come to the right conclusion for you and your family. However, we can get you a free auto insurance quote today if you’re ready.