Auto Insurance

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form
Auto Quote Short Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Auto Policy
Add Vehicle to Existing Auto Policy
Declaration and Coverages Request Form
ID Cards Request
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

Garland Insurance has over 15 Florida automobile insurance companies! Located in Lakeland, Florida 33805, we have many different companies so we have a great rate and quotes for you weather you live in Lakeland, Winter Haven, Bartow, Polk County, Central Florida, Tampa, Orlando or anywhere in Florida. Call our office in Lakeland today for a auto insurance quote at 863-683-9334.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Consider these four things when when buying car insurance.

Why do you need Florida auto insurance?
It's really all about protecting yourself financially.

If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your Florida agent
Your Florida Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Read up on these three tips on how to get the best value on car insurance. This will allow you to ask your agent intelligent questions.

Common Auto Insurance Questions:

What is auto insurance?
Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses.

What do auto policies cover?
Any vehicle with a current Florida registration must carry at least:

$10,000 PIP
$10,000 Property Damage Liability

PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.

The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:

Liability Insurance: Insures you against damage you cause others if you are at-fault in a wreck.

Bodily injury liability coverage pays for their medical bills (and in some cases deaths)

Property damage liability pays for damage to the other driver’s property, like their car.

Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.

Other coverage offers help for roadside assistance and rental car coverage.

Contact your agent about including these protections in your coverage.

Why do you need car insurance?
In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself.

Additional Resources

If you're looking for Lakeland FL auto insurance quotes, then don't hesitate to contact us today at 863-683-9334.