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Search by Quote ID → Search by Date of BirthMercury Car Insurance In Tampa
Navigating Tampa’s vibrant neighborhoods, from the historic Ybor City to the scenic waterfront of Bayshore Boulevard, demands not just a reliable vehicle but auto insurance designed for the local landscape. Mercury’s affordable rates, comprehensive coverage options, and dedicated support allow you to enjoy all that Tampa has to offer with peace of mind. Get in touch with a Mercury agent today and start your journey with confidence.
Is Auto Insurance Mandatory in Tampa?
Florida mandates that all drivers carry a minimum amount of car insurance to ensure everyone on the road is protected. Additionally, Florida is a no-fault state, meaning that if you get into an auto accident, your insurance policy will cover your medical expenses up to the limit of your personal injury protection (PIP), regardless of who was at fault for the accident. This system is designed to reduce the number of lawsuits filed over auto accidents, making it quicker and easier for everyone involved to get the medical care they need.
Legal Requirements to Drive in Tampa
According to Florida Highway Safety and Motor Vehicles, every driver must carry these minimum auto insurance coverages:
- Personal injury protection (PIP): All motorists must carry a minimum of $10,000 in PIP coverage. This coverage helps pay for your medical expenses, certain non-medical costs like lost wages, and death benefits, irrespective of who caused the accident.
- Property damage liability: In addition to PIP, Florida law requires drivers to have at least $10,000 in property damage liability. This coverage is used to pay for damage you or someone driving your car causes to another person’s property.
Optional Tampa Car Insurance
While the state mandates PIP and property damage liability as the bare minimum, several optional coverages can provide you with greater peace of mind and financial protection.
- Bodily injury liability: While not mandatory for all drivers, bodily injury liability which covers injuries you cause to someone else — is highly recommended and sometimes required under certain conditions, such as a previous DUI conviction.
- Collision coverage: This pays for repairs to your car if it’s damaged in a collision, regardless of who is at fault. Collision coverage is particularly valuable in a city like Tampa, where dense traffic can increase the likelihood of accidents.
- Comprehensive coverage: Comprehensive insurance covers damage to your vehicle that isn’t caused by a collision. This includes theft, vandalism, fire, natural disasters (such as hurricanes, which can be a concern in Tampa), and hitting an animal.
- Uninsured/underinsured motorist coverage: Despite the law, some drivers on the road may not have sufficient insurance (or any at all). This coverage protects you if you’re involved in an accident with an uninsured or underinsured driver, covering your medical expenses and sometimes even damages to your vehicle.
What Does Tampa Auto Insurance Not Cover?
While auto insurance in Tampa offers a safety net for many incidents on the road, there are certain situations and items that standard policies typically don’t cover. Here are some common exclusions in auto insurance policies:
- Intentional damage: Any intentional damage to your vehicle that you caused is not covered.
- Personal belongings: Personal items stolen from your vehicle or damaged in an accident are typically not covered under standard auto or comprehensive policies.
- Commercial use: If you use your vehicle for business purposes, such as making deliveries or transporting clients, you might need a separate commercial auto insurance policy. Standard personal auto insurance doesn’t cover incidents that occur during business use.
- Racing and off-roading: Standard policies don’t cover damage that occurs while racing or driving off established roads.
Get Cheap Auto Insurance in Tampa from Mercury
Finding comprehensive and affordable auto insurance can feel daunting. However, with Mercury, you’re not just getting cheap auto insurance. You’re investing in a policy that reflects the needs of Tampa drivers, ensuring you’re covered without overstretching your budget.
Save More with Discounts
When you choose Mercury, you unlock the potential to save even more with an array of discounts designed to reward safe driving, secure vehicles, and smart behavior on the road. Here’s a glimpse at how you can reduce your auto insurance costs further with Mercury:
- Multi-car discount: If you insure more than one vehicle, you could see substantial savings on each car’s premium.
- Good driver discount: Tampa roads can be challenging, but if you’ve managed to maintain a clean driving record, we reward your safe driving habits with lower premiums.
- Anti-theft device discount: Securing your car is paramount. If your vehicle is equipped with anti-theft devices, you could be eligible for discounts, as it lowers your risk of theft-related claims.
- Full payment discount: If you choose to pay your premium in full at the start of your policy period, Mercury offers a discount to save us administrative costs.
- Auto pay discount: Enrolling in automatic payments not only ensures you never miss a payment but also qualifies you for a discount.
- E-signature discount: Mercury offers a discount when you sign your documents electronically.
- Good student discount: We offer a discount to student drivers who maintain a strong academic record.
Tampa Car Insurance FAQ
Is car insurance high in Tampa?
According to Value Penguin, the average cost of car insurance is $121 per month for minimum coverage and $306 per month for full coverage. These costs are nearly twice as much as the national average of $64 per month for minimum coverage and $164 per month for full coverage.
How to find the cheapest car insurance in Tampa?
Mercury Insurance offers cheap auto insurance tailored to meet your needs. Plus, with our various discounts, you can enjoy even more savings. Don't miss out on affordable, reliable coverage. Get a quote from Mercury today and see how much you can save by choosing us as your insurance partner.
How do I find a Mercury Agent in Tampa?
Visit the Florida Insurance Agents page to find an agent in your area.
What products does Mercury offer in Tampa?
Mercury provides Florida residents with several products, including: