Auto Insurance for Rental Cars in Pembroke Pines, Florida

If you are considering renting a car for your vacation or business trip in Pembroke Pines, FL, you should know that purchasing auto insurance is an integral part of the process. After all, without insurance, who will pay for the damage to the vehicle in the event of an auto accident? And what would happen if someone were to get seriously hurt?

Well, according to the law, there are several options for drivers who wish to rent a car in our state. You are within the legal limits as long as you meet the minimum requirements for coverage, which are $10,000 in personal injury protection and $10,000 in property damage liability. Here are a few different ways in which you can meet the criteria:

Insurance from the Rental Car Company

Many of the top rental car companies offer vehicle insurance coverage as part of your rental agreement. By signing either a Loss Damage Waiver or a Collision Damage Waiver, you should be covered for the cost of all repairs in the case of an accident or, if necessary, a replacement vehicle.

Non-Owner Insurance

If you frequently rent vehicles yet do not own one, you can purchase a separate non-owner auto insurance policy. These policies provide liability coverage when you drive a rental car.

Insurance on your Personal Vehicle

If you already have personal insurance on a car registered in the state, your coverage may extend to rental vehicles. You will need to contact us at McCormick Insurance Inc. to find out if rental cars are within the limits of your coverage.

So, before you rent your next auto, give us a call at McCormick Insurance Inc. We may be able to help you better understand your rental car insurance options in the Pembroke Pines, FL area. We want you to make the best decision for your particular situation, so we would love to help.

Four priorities when you buy auto insurance

At McCormick Insurance Inc., we provide auto insurance to motorists in Pembroke Pines, FL. If you’re looking for auto insurance coverage at the moment, we can help you. 

You need to focus on a few priorities to make the right choices when you buy auto insurance. The following are four auto insurance priorities to be aware of. 

Meeting state vehicle insurance requirements in Florida

Vehicle insurance is required by law in Florida. To drive legally, you need to meet a few coverage requirements.

Your auto insurance policy needs to include $10,000 in property damage liability coverage and $10,000 in personal injury protection to meet state requirements. 

Understanding the coverage you’re getting

Taking the time to understand the details of your policy is important. Remember that you need to add collision and comprehensive coverage to your policy to cover damage to your vehicle.

Don’t assume that your policy includes certain types of coverage unless you’ve verified this by reading over your policy. 

Exploring your options before choosing a policy

Before getting quotes from multiple providers, you should never select an auto insurance policy.

Getting multiple quotes makes it possible for you to compare your available options. You can then choose the best policy for your unique preferences and situation. 

Keeping proof of insurance in your vehicle

Don’t forget to print out your insurance card and keep it in your vehicle. You’ll need to present proof of insurance to law enforcement when you get pulled over. 

Purchase an auto insurance policy from McCormick Insurance Inc., and you can be confident you’re getting the coverage you can count on. Vehicle owners in Pembroke Pines, FL can call or go online for a policy quote from our insurance company. 

Why you need auto insurance: six compelling reasons

Auto insurance is one of those things we need but don’t necessarily think about unless we have to. It’s not as exciting as buying a new car, but it is essential to protect your assets in the event of an accident. Here are six compelling reasons why you need auto insurance and how McCormick Insurance Inc. can help motorists in Pembroke Pines, FL.

1. Good financial protection

A car is a significant investment. Major repairs from accidents would be difficult to pay for out-of-pocket and could even put you in debt. Auto insurance can help pay for unexpected repairs and medical bills, so you don’t have to worry about finances following an accident.

2. Peace of mind

No one likes worrying about what would happen if they were in an accident. Having auto insurance is that extra security blanket you will have to prepare for the unexpected.

3. It’s required

In most states, it is illegal to drive without auto insurance. If caught driving without insurance, you could face penalties such as fines or driving suspensions.

4. Protects other drivers

If you are involved in an accident and found to be at fault, your auto insurance will help pay for the other driver’s damages. This is important for their financial protection and to avoid potential legal issues.

5. Protects you from uninsured drivers

There’s always a chance you could be in an accident with an uninsured driver. If this happens and you are found to be not at fault, your auto insurance can help cover the costs of your damages.

6. Discounts and perks

Some auto insurance companies offer discounts or perks for their customers. These include safe driving discounts, roadside assistance, and more.

Contact McCormick Insurance Inc. today to learn more about how we can help Pembroke Pines, FL drivers with their auto insurance needs. We would be more than happy to answer any questions you have or if you need an estimate.

Who Needs Auto Insurance in Pembroke Pines, FL?

Living in Florida is a dream come true for many residents. From wonderful cities, a bustling economy, and breathtaking sceneries, there is a lot to savor in the Sunshine State. If you are a Floridian, the chances are that you have bought, rented, or leased a vehicle. But how much do you know about auto insurance? McCormick Insurance Inc. of Pembroke Pines, FL sheds light on who needs car insurance.

Who needs auto insurance?

Like many states, Florida requires all drivers to purchase auto insurance. The state requires you to buy liability and personal injury protection (PIP) coverages every time you drive or park in public spaces. More so, Florida is a no-fault state. This means that the insurance company covers liability costs up to a specific limit, regardless of who caused the accident.

Florida’s law requires drivers to show proof of insurance whenever they are driving. Failure to carry required auto insurance may result in fines of up to $500 and license suspension. And if you are at fault for an accident, you will be required to foot the liability costs from your pocket.

Besides compliance, who else needs auto insurance?

Yes, we know the law requires auto insurance, but who else needs car insurance.  If your car is financed by a federal-regulated financier, they may require you to invest in car insurance as long as your loan liability is outstanding. The other persons that need auto insurance are:

  • Those who want peace of mind
  • Persons that need financial cushioning
  • If you value your car

Ultimately, everyone who owns a car needs auto insurance. Whether it’s a classic, modern, commercial or private vehicle, ignoring car insurance isn’t an option!

Buy auto insurance in Pembroke Pines, FL

Ready to invest in car insurance? Please look no further than McCormick Insurance Inc. We offer comprehensive and affordable car insurance policies for our clients.

How does auto insurance in Florida protect someone?

Many people in the Pembroke Pines, FL area will find that owning a car is a good idea. With a vehicle, you will be able to get around the city and surrounding areas more efficiently. If you decide to purchase a car when you are here, you also need to get the right insurance for it. This type of coverage can protect someone in several ways. 

Mitigate Liability Risk

A reason to have an auto insurance plan in this area of Florida is so you can mitigate your liability risk. If you decide to drive a car when you are in this area of the state, there is going to be a chance that you cause damage in an accident. As damages can be significant, finding a way to offset this risk is important. A liability insurance plan can help you do this as it will give coverage if you do cause damages. 

Protect Vehicle

You also will want to have this coverage to protect your vehicle. If you buy any type of vehicle, you will want to ensure it can last for a long time. With proper insurance, you will get the coverage needed to repair to replace your vehicle if you incur a loss from theft, vehicle accident damage, or other forms of loss. 

Owning a vehicle in the Pembroke Pines, FL area continues to be a good idea and can make life much more convenient. As you are looking for a car in this part of Florida, you should also make sure that you speak with someone that will help you build a new insurance plan. The team with McCormick Insurance Inc. can give any support you need to build your next policy. McCormick Insurance Inc. takes a personalized approach to ensure you select the right plan based on your situation. 

What Type of Auto Insurance do I need? Liability or Comprehensive?

When motorists start shopping for auto insurance, they may question how much coverage they need as well as what type of insurance would be best for them. Fortunately, McCormick Insurance Inc. of Pembroke Pines, FL is committed to helping motorist navigate their insurance choices and make decisions that help them to select the best coverage options. 

It’s All About You
Motorists must first understand that choosing the best auto insurance is based heavily on their unique situation. Do you own your car? Is your car older? Do you have a car loan? These are just a few of the questions that drivers need to consider when it comes to selecting auto insurance. For example, most lenders will require motorists to have full coverage insurance to be eligible for an auto loan. This ensures that the lender is covered and compensated, should anything happen to the car before it’s paid off. This is just one of the many circumstances that may make investing in full coverage auto insurance a smart or necessary option.

Consider Your State’s Requirements
Most states will require you to carry auto insurance that meets certain minimum requirements. As a driver, regardless of any other types of coverage you get beyond what’s required, you will have to meet the minimum coverage requirements in your state before you can legally drive. This is one of the first things you will need to understand. This is your starting point. Once you have invested in your state’s minimum requirements for auto coverage, you can then explore if you need to obtain other types of coverage or increase your coverage levels beyond the minimum requirements. 

Other Considerations
If you have an old car that was paid for years ago, investing in full coverage auto insurance may not be worth it. If your car’s value would be less than the cost of repairing any damage it would sustain in a car accident, it may be best to invest in liability insurance with the minimum state requirements. However, discussing your options with an insurance professional is always a good idea when it comes to determining what type of insurance would be best for you, and how much. If you need guidance in determining the best type of auto insurance for your unique situation, give us a call. We’re here to help. 

How to Protect Your Car from Dents

You already know that you can’t be near your car at all times. From parking lots to street spots, you have to leave your car unprotected on a regular basis. Most of the time, nothing will come of this. You don’t necessarily expect a runaway shopping cart to hit your car and dent it every time you pull into the grocery store. But sometimes, dents happen, and it’s all too easy to have no recourse when they do. If you’re in Pembroke Pines, FL, McCormick Insurance Inc. has a few tips to help you keep your car safe. 

Make the Extra Effort 

Valet parking, car covers, remote spaces: these are all just a few suggestions that can help you keep your car protected in Pembroke Pines, FL. The extra expense of parking your car in a lot might dwarf the expense of having to deal with a dent. And even if it’s a bit of an extra walk, parking in a less crowded section of the lot can go a long way toward avoiding an accident. 

Get a Camera 

Camera technology today is inexpensive and effective. Even if the other driver doesn’t happen to leave a note with their insurance information, you might be able to see their license plate number if you have the right device set up. 

Look Into Better Panels 

Dent-resistant panels are an excellent solution for nearly any car. Some are already manufactured this way, but you can also look into getting an after-market product for even better odds. 

McCormick Insurance Inc. knows that protecting your car takes effort. If you have questions about how the right insurance policy can help you in the case of dents, give us a call to learn more about how our policies are designed to put you in the driver’s seat. 

Do I need Florida auto insurance?

The Pembroke Pines, FL area is a great place to work and live. If you do live in this area, you will likely need to own a car. Those that do have a car in this area should consider this a big responsibility. One part of caring for this responsibility is making sure that you have adequate insurance in place. This will have to include getting an auto insurance policy. There are several reasons why you will need to get one in Florida.

Required by the State

One reason why you need to get auto insurance in Florida is that it can actually be a requirement of the state. When you drive a car, you are taking on the risk that you could cause damage in an accident. When this happens, you are going to need to pay restitution to cover damages. The state requires drivers to carry auto insurance to ensure they can make this payment.

Lender Requirements

Many people in this area take out a loan to buy a car. If you do take out a loan, you also will need to have an auto insurance policy. Auto lenders actually require that you have a full policy with comprehensive and collision coverage to make sure that their collateral is fully protected. 

All people in the Pembroke Pines, FL area need to have auto insurance. When you are looking to get into a new policy, it is important that you speak with someone that is experienced and can give you great guidance. McCormick Insurance Inc. is a great resource whenever you have questions about your auto insurance needs. McCormick Insurance Inc. will give you insight into what type of coverage is right for you and then help you get into a great policy. 

Driving Safety Tips for Hurricane Season

During hurricane season you have a lot of extra tasks to think about and do. You might need to evacuate your home and purchase extra supplies for weathering the storm. You also need to be prepared for driving conditions that are different from usual. With that in mind, here are some driving safety tips courtesy of McCormick Insurance Inc. serving Pembroke Pines, FL.

Fuel Up

Make sure your vehicle has a full tank of gas well before a storm is expected to arrive. For one thing, this will also you the flexibility of being able to travel out of your area if needed.

Prepare for Traffic

As people run around town doing their hurricane preparation errands and during times that people are evacuating, you can expect heavy traffic and gridlock. Maintain a large enough space between you and the cars around you. Have bottled water, snacks and flashlights in your vehicle at all times.

Stay Off the Road

One of the best safety tips isn’t quite a safety tip, because it involves not driving. Yes, if you can, avoid driving as much as you possibly can. Leave the roads open for people who really have to travel.

Avoid Flooded Areas

With the heavy rains of hurricanes can come floods. Avoid flooded streets at all costs. Turn around, and head for higher land that is dry.

Slow Down

During hurricane season don’t try to be in a hurry while driving. Instead, keep at the speed limit, or even slower if possible.

It doesn’t take much time to learn about and implement these safety tips. And you’ll be glad you did. Remember to use common sense, and be extra cautious and wise during hurricane season.


I’m Rebuilding a Car. When Does it Need Insurance?

Pembroke Pines, FL, is in the heart of car country. If your garage has a pet project, you might have a few questions about the state requirements for the vehicle you’re restoring. It can get a little complicated, but these three situations can help demystify how insurance works with your work of art.

You Change the Title

When a car is deemed totaled by an insurer, the state actually issues a salvage title. This means the car can be used for parts or potentially rebuilt, but while the vehicle has this title, it cannot legally drive on the roads. When your rebuild is getting close to roadworthy, you’ll have to make sure it has a valid title. The process varies, and you’ll have to go through the Florida Highway Safety and Motor Vehicles Department to change it. You’ll also need an insurance plan to get the title changed. Talking to your McCormick Insurance Inc. representative can help you with any hurdles that might appear during the process.

You’re Driving It

Not all rebuilds require a title change. If the car you’re restoring was never declared totaled, there’s a good chance it still has the original title. That’s fine. While you might want to avoid paying insurance for a car on blocks, as soon as the vehicle is roadworthy, it needs an insurance plan. This is extra true if you want to take her for a spin.

You’re Not the Only One Working on It

Sure, driven cars need insurance. That’s easy enough. Even if your project hasn’t reached that point, you may still need some extra liability coverage. As satisfying as it can be to work on the car, you might need help at some point. Since mechanic work is inherently dangerous, it’s important to protect yourself and your help with liability coverage. That may not come in the form of auto insurance, so this is another good time to talk to your McCormick Insurance Inc. agent.

Now that you know the insurance rules, you can focus on finishing the car and enjoying the roads of Pembroke Pines, FL.