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 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
Auto Accident Claim
Remove Driver from Existing Auto Policy
Remove Vehicle from Existing Auto Policy
Request Declaration and Coverages Page for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

Wherever you drive, you face safety risks. You might have wrecks, cause injuries or property damage, or experience other mishaps. You want a line of defense when problems arise. If you have car insurance, you can use your policy to pay for damage to your own assets and those of others. It is valuable financial protection, and no driver should go without it.

Getting the Coverage You Need

Let’s say that while on a drive, you have a wreck and your car sustains damage.

Other drivers might also sustain injuries and vehicle damages. How are you going to fix these problems? One way is to turn to your car insurance. Various types of protection might help you.

Collision Insurance: Can pay for damage to your car that happens in a wreck.
Comprehensive Coverage: Covers vehicle damage that results from non-accidents. These might include things like theft, severe weather, vandalism, fires and more.
Personal Injury Protection (PIP): This insurance can pay for your own medical expenses after an accident.
Liability Insurance: You might be the person who caused an accident. As a result, someone else might request that you pay for their car damage or medical bills. Liability insurance can help you cover costs like these.
Uninsured/Underinsured Motorist Coverage: If you collide with a driver who doesn’t have enough insurance, or none at all, this coverage can protect you.

At the end of the day, you’ll want enough coverage to adequately protect your needs and meet the state-required insurance minimums. Talk to one of our agents about how to set the correct limits. With a little attention to detail, you can find the right balance of coverage.

Let Bruening Insurance be Your Agency of Choice

Most people don’t know exactly how much car insurance they need, and there are a lot of choices out there. The key is to work with an insurance agency that can tailor your coverage expressly to your needs.

That’s what we do every day at Bruening Insurance. We have trusted relationships with multiple insurers. We can tap into their offerings and provide our clients with the widest range of policy options. With us, you can find a policy with adequate coverage at affordable prices.

Get Started Now

If you are ready to get coverage, the team at Bruening Insurance is ready to help. Call us at (800) 293-0131 right now for a policy quote, or fill out our online quote form.

Common Auto Insurance Questions:

What is auto insurance?

Auto insurance assists you financially in covering vehicle damage costs in the unfortunate case of an accident. It is a paid agreement between you and your insurance provider. After filing a claim following an accident, your provider will step in and assist you in covering significant damage costs depending on what you are responsible for.

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 atfault 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?

You are required to have at least some type of auto insurance policy in most areas. However, settling for the bare minimum coverage just to have it can jeopardize the future of you and your vehicle. It’s important to get adequate coverage to assure the safety of your future in the case of an accident. We can help you with finding the policy that matches your specific scenario.

Questions to ask your agent

Our knowledgeable agents are here to help guide you while you're choosing coverage from a variety of sources and be a resource when you're an insured with us.

Here are some things to consider as you select your coverage:

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? (Some might be more convenient for you than others).
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.)