Low Cost Auto Insurance in Okeechobee, FL

Auto Insurance to fit your budget & needs

ACCURATE INSURANCE ... Your One-Stop Shop
Call or Text: 863-357-1707 or Toll Free: 866-536-2070

Let Us Take the Hassle Out of Getting the Lowest Car Insurance Rates
​Don’t go insane by paying too much for auto insurance.
Accurate Insurance Services can take the pressure off of you.
​It just takes one call to Accurate Insurance Services at 863-357-1707 to see how much we can help save you on your auto insurance today!

​Has it been three years or more since you compared your auto insurance policy with another agency?
There is a good chance you have coverage gaps and are not getting all the discounts you deserve.
Our agency uses the most state-of-art software to make sure you get the discounts you earned by comparing with our many insurance carriers.
So, let us do the searching for you for free!
Call our office for a Quick Quote 

​Our agency is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.

Car insurance exclusions are provisions written in the insurance contract. They exclude coverage for a particular driver or event. You should carefully check the Exclusions section in your policy.
The most common car insurance exclusions include:

• Excluding a certain driver. The insurer may exclude a high-risk driver in the client's household. This will save the policyholder some money. Once excluded, that person should not drive the covered car. Otherwise, if the excluded driver causes an accident while uninsured, the policyholder may face several penalties, including fines, the chance of being dropped by the insurer and denial of all claims.
• Damaging the car on purpose. Intentionally damaging the car is another typical exclusion. Companies will investigate the cause of the damage before resolving any claim. If the damage was caused on purpose, the claim will be rejected and the policyholder can be even accused of fraud attempt.
• Using a personal car for commercial purposes. Many insurance companies will not cover an accident if the vehicle was used to deliver goods or materials at the moment of the accident. For any commercial use, the policyholder must purchase commercial car insurance.
• Custom equipment. In order to cover custom parts and equipment, the client must purchase an endorsement. Furthermore, some companies may not agree with customizing a car beyond certain limits and will drop coverage. Make sure to talk to one of our insurance representatives about covering your custom equipment.

​Don’t exchange personal information following an auto accident?
You generally only need give the other driver your name and information (name & phone number of your insurance company).

• Would you give a stranger your driver’s license number?
• Would you let a stranger photograph your driver’s license?
• Would you give a stranger your home address?
• Would you give a stranger your home phone number?
• Did you know that some accidents are staged just to steal your personal information?

Take steps to protect yourself, your property and your identity
National Association of Insurance Commissioners (NAIC) has developed a mobile application – “Wreck-Check” to help you take the guesswork out of what information to share. It’s free and available for both iPhone & Android smartphones. 
WreckCheck App for Smartphones
In the course of your lifetime, an auto accident is bound to happen. When it does, take some of the guesswork out of a tense situation with the NAIC's WreckCheck™. This free mobile app for iPhone® and Android® smartphones outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report.
Don't have a smartphone? Download a printable accident checklist and other tips for staying calm, safe and smart on the road.

​AUTO INSURANCE MYTH – COLOR DETERMINES THE PRICE OF AUTO INSURANCE

• It doesn’t matter if your car is red, green, or purple. What does matter is the type of car you select. Before you buy a new or used car, check into insurance costs. Auto insurance premiums are based on make, model, body type, engine size, the age of the vehicle and the age, driving record and credit history of the driver. Premiums are also based, in part, on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices. 
• For years there has been a notion that color plays a significant part in calculating insurance premium costs, many people believe that red cars cost more to insure because they are linked to aggressive driving or speeding. The fact is, insurers have no interest in the color of a car, but they are interested in knowing if you have had any previous car accidents, the number of miles you drive annually and where you live. 
• When purchasing car insurance, it’s important to understand the factors that affect your car insurance premium rates and coverage. But how do you differentiate between truth and fiction? A good place to start is by dispelling some common myths about auto insurance during a visit to our office.

​We love helping Uninsured Drivers get legal.
Has your auto insurance been cancelled for non-payment?
Have you had too many tickets or accidents?
We love helping Uninsured Drivers get legal.
Our companies do not penalize you for not having insurance.
We have companies that specialize in offering affordable auto insurance for any vehicle, any driver, any age.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your insurance.

​Do You Car Pool?
Liability Insurance Exclusion
Drivers involved in car pools and other group arrangements may wonder if the situation is covered under their auto policy. This concern is valid as many auto policies have restrictions.
Typically, liability coverage under personal automobile policies does not apply to "…liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance." (A public conveyance is a vehicle used indiscriminately in transporting the public without being limited to certain persons or occasions. A livery vehicle is one that is offered for rental).
There is slight variation in language among policies issued by various insurers, but the intent is the same: to exclude the use of a personal auto for transporting people or property for income. However, this exclusion does not affect coverage for car pool, driver group, and share-the-ride arrangements.
​Feel free to call our office today. Most transactions such as quotes, binding and payments can be handled from the comfort of your home.

​​Advertisements for cheap car insurance seem to be everywhere. Is this good enough for you?
​It is a misconception that all auto insurance policies are the same. For some people, the least expensive policy is good enough. However, it is best to customize the policy to meet the specific needs of your vehicle and your lifestyle. How do you know what is too cheap and what is just right for you then?
What Your Policy Needs to Do for You
When choosing car insurance, there are a few key things to look for to determine if it is the right one for your needs. Put price aside for a moment. Only after you consider coverage, then you can compare providers to determine which offers the best price for that amount of protection. Here are a few things to consider.
Do You Have a Loan or Are You Leasing the Car?
Those who have a lease or loan on their vehicle may have a requirement from the title holder to carry full coverage. This generally includes:

• Comprehensive coverage
• Collision insurance
• Liability insurance
• Underinsured and uninsured coverage

These policies protect the value of the car. This is the value the title holder cares about. They don't want to lose their investment in your vehicle, after all.
Does the Vehicle Have Value?
​If you do not have a loan or lease, consider the value of the car. If the car was not possible to repair in an accident, could you easily replace it? If it would cause financial hardship for you to lose the car like this, it may be worth considering collision insurance and comprehensive coverage. Collision insurance covers damage to your car if you hit something. Comprehensive covers the vehicle from losses such as fire and theft.
How Much Liability Insurance Do You Need?
​One of the ways some companies offer very low-cost auto insurance is by providing you with just the state minimum requirement. However, this is a big risk. A simple accident can cause significantly more damage than this basic policy can cover. In an accident, the lowest car insurance may not cover all of the losses you need it to. This means you may have to pay out of pocket for it.
​
Is cheap car insurance a good thing? It can be if you do not have a lot of value in the vehicle. However, a customized auto insurance policy is best. Work with one of our agents to obtain one.

​How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
Is it better to keep my auto insurance with the same company as my homeowners policy?
Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs.
Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things?
Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver.
What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault?
To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered.