AUTO INSURANCE SERVICES

At Blue Haven Insurance Agency, we understand that having reliable auto insurance is more than just a legal requirement—it's about protecting yourself, your family, and your financial future on the road. Whether you're a new driver, new to the area, or simply looking for better coverage at a better price, we're here to help you navigate your options with clarity and care.

• Liability Coverage
  This is the foundation of any auto insurance policy and is required by law in most states. Liability coverage protects you financially if you're responsible for an accident that causes injury to others or damages their property. We'll help you understand your state's minimum requirements and whether higher limits make sense for your situation.

• Collision Coverage
  If your vehicle is damaged in an accident—whether you hit another car, a tree, or any object—collision coverage pays for the repairs to your vehicle. This is especially important if you're still making payments on your car or if replacing it would be a financial hardship (required if you have a car loan or lease). 

• Comprehensive Coverage
  Life is unpredictable. Comprehensive coverage protects your vehicle from damage caused by events other than collisions: theft, vandalism, weather damage, fire, falling objects, and animal strikes. If you depend on your vehicle for work or family needs, this coverage provides essential peace of mind (required if you have a car loan or lease). 

• Uninsured/Underinsured Motorist Coverage
  Unfortunately, not everyone on the road carries adequate insurance. This coverage protects you and your passengers if you're hit by a driver who doesn't have insurance or doesn't have enough coverage to pay for your injuries and damages.

• Medical Payments Coverage
  Also known as MedPay, this coverage pays for medical expenses for you and your passengers after an accident, regardless of who was at fault. It can cover hospital visits, surgery, X-rays, and even funeral costs.

• Roadside Assistance
  Get help when you need it most. Roadside assistance covers towing, jump-starts, flat tire changes, lockout services, and fuel delivery. It's an affordable add-on that can save you hundreds in a single emergency.

• SR-22 Filing and High-Risk Insurance
  If you need an SR-22 certificate for license reinstatement after a suspension, DUI, or other violation, we can help. We work with carriers that specialize in high-risk situations and can guide you through the process with patience and without judgment.

Multilingual Service
Our team speaks English, Spanish, and Portuguese fluently. We explain every detail of your policy in the language you're most comfortable with—no confusion, no miscommunication.

Competitive Rates
We work with multiple insurance carriers to compare rates and find you the best coverage at the best price. Our technology helps us identify discounts you qualify for, from good driver discounts to multi-policy savings.

Personalized Guidance
We don't believe in one-size-fits-all insurance. We take time to understand your driving habits, your vehicle, your budget, and your concerns so we can recommend coverage that truly fits your needs.

Fast, Easy Process
Get a quote in minutes, purchase your policy quickly, and receive your insurance cards immediately. We make it simple so you can get back on the road with confidence.

Ongoing Support
Have a question about your coverage? Need to file a claim? Want to add a driver to your policy? We're here for you every step of the way, not just when you buy.

What's the minimum insurance required?
Requirements vary by state, but we'll explain exactly what's legally required where you live and help you decide if additional coverage is worth considering.  

South Carolina Requirements: South Carolina law requires all drivers to carry minimum liability coverage of 25/50/25:

• $25,000 bodily injury coverage per person
• $50,000 bodily injury coverage per accident
• $25,000 property damage coverage per accident
• Uninsured motorist coverage is also required in South Carolina

Florida Requirements: Florida requires all drivers to carry:

• $10,000 Personal Injury Protection (PIP)
• $10,000 Property Damage Liability

Note: Florida does not require bodily injury liability coverage unless you've had certain violations, but we strongly recommend adding it for your protection.

Our Recommendation: While these are the legal minimums, they often aren't enough to fully protect you in a serious accident. Medical bills and property damage can easily exceed these limits, leaving you personally responsible for the difference. We'll explain your state's requirements, help you understand the real-world risks, and recommend coverage levels that truly protect you and your family without breaking your budget.

How can I lower my auto insurance costs?
We'll explore every available discount: safe driver, multi-policy, good student, defensive driving courses, low mileage, and more. We also help you choose the right deductible to balance monthly costs with out-of-pocket expenses.

What should I do if I'm in an accident?
First, stay calm and check if anyone is injured. Call 911 if needed. Exchange information with the other driver, take photos, and call your insurance carrier to submit a claim. Many times you can begin the process straight from the company's app. 

Can I get insurance with a foreign driver's license?
Yes! We work with carriers that accept international licenses and can help you get coverage while you're in the process of obtaining a local license.