Murray Insurance: Car Insurance in Okeechobee, Florida

An Inconvenient Necessity in Florida: Why is it Mandatory to Have Car Insurance?

Even the best drivers can be liable for things beyond their control out on the roads of Okeechobee, Florida. That’s why all drivers in Florida must protect fellow motorists by carrying liability car insurance from Murray Insurance. As a driver, even if you are a defensive driver, you might not be able to avoid every driving hazard or accident, but you can be the good guy and make sure you protect other drivers in case something should go wrong by maintaining proper liability insurance coverage.


Also, having the right insurance will help you avoid fines as the state of Florida has a mandatory requirement for all registered car and motorcycle drivers to carry liability insurance. It may seem like a pain to pay for car insurance every month, but getting monetary penalties from the state of Florida transport department is most defiantly worse!

Murray Insurance: The Insurance Agency That Works for You

If you’re searching for car insurance in Okeechobee, FL, or its surroundings your range of choices may seem overwhelming. Murray Insurance is ready to help you make sense of all those choices. We offer a variety of car insurance coverages for Florida drivers of all ages and risk levels and can conveniently find the policy that is best for you.

At Murray Insurance, we believe a properly-written car insurance policy should be readily understandable and easy to comprehend. That is why every single one of our independent Florida agents writes each policy with this philosophy in mind. If you don’t understand something about your car insurance policy, ask us. Murray Insurance is here to answer all your questions, and to provide all the information you need to make informed decisions about car insurance in South Florida.

What Car Insurance Coverages Are Required in Florida?

We write standard and non-standard auto insurance. The state of Florida, by law, requires certain car insurance coverages. You must have these coverages in the following minimum requirements to legally operate a vehicle:

• Property Damage coverage: $10,000 per accident;
• Personal Injury Protection: $10,000.

What Are the Different Types of Car Insurance?

An car insurance policy may include many different kinds of coverages, from liability coverage to roadside assistance coverage. Murray Insurance will work with you to find the coverages that best suit your individual circumstances and needs. We'll remain ever-mindful of your budget and strive to meet all your insurance needs in a timely, professional way. Here are the principal kinds of coverage that your car insurance policy may include:

• Collision and Comprehensive Coverages

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.

• Liability Coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

• Medical Payments Coverage

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.

• Personal Injury Protection (PIP) Coverage

This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in a car accident and are unable to work.

• Uninsured/Underinsured Motorist coverage

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 Coverage

Optional or special coverages are “extra” coverage types that can be added to your car insurance plan, such as towing, rental reimbursement, and roadside assistance.

Standard & Non-Standard Car Insurance in Florida

At Murray Insurance, we write standard and non-standard car insurance policies alike.

What is Standard Car Insurance Policy?

What is a Standard Car Insurance Policy? Standard car insurance is designed to cover “preferred” and “super preferred” drivers. This group of drivers includes:

• Older drivers
• Drivers whose driving record indicates maturity behind the wheel
• Drivers with few or no tickets and/or accidents

What is Nonstandard Car Insurance Policy?

At Murray Insurance, we know that accidents happen. That’s why we offer coverage for higher-risk, non-standard drivers, too. This group of drivers includes:

• New and younger drivers
• Drivers with SR22s
• Drivers whose record behind the wheel indicates a lack of experience or maturity
• Drivers with numerous accidents and/or tickets

Discounted Car Insurance with Multiple Policies

If you purchase car insurance coverage through one of Murray Insurance’s major carriers, there’s a good chance you’ll be eligible for discounted rates. Whether you received an insurance policy through Murray Insurance or not, ask us about car and other insurance multi-policy discounts.

For a FREE Quote on Car Insurance in Okeechobee, Florida, Contact Murray Insurance

At Murray Insurance, we are passionate about proper car insurance coverage. Our professional car insurance agents in Okeechobee, Florida, and surrounding areas and can assist you in finding the right car insurance you need. If you’re ready to start a new friendship with an car insurance agency that cares, call Murray Insurance today at (863) 763-5551 for a free online car insurance quote. You can also just fill out the "get a quote form" on our this page.

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