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Cheap Car Insurance Tampa FL

You may have Googled this or the related terms (ie. fr44 insurance tampa or sr22 insurance tampa) and are slightly confused. We don’t blame you.

Contact us Today for the Lowest Cost Auto Insurance Available! Our Friendly Staff will be Happy to Assist you with a Quote. Please have Your Information Ready for Us and Either Call our Office (813) 972-1947 or Just Check out the Links Below and We will be in Touch with You Within 24 Hours!

Types of Auto Insurance in Tampa

Affordable Car Insurance Quotes Tampa

We have been offering Cheap Auto Insurance in Tampa Florida for over 30 years. In that time we have built relationships with Florida Auto Insurance Companies that can offer you the most Affordable Car Insurance rates. Most of our Auto Insurance carriers offer Low Down Payments and EZ monthly payments. We can write auto insurance throughout the state of Florida.

In Florida Auto Insurance is required. In order to register your car in Florida you need to show proof of auto insurance. The minimum liability limits required by Florida for auto insurance is $10,000 Personal injury protection (PIP), and $10,000 Property Damage Liability unless you are required to do a filing on your auto insurance such as an SR22 or FR44. Basically a filing is a form attached to your Auto Insurance Policy. We also offer Florida non-owner insurance if you need an SR22 or FR44 and you don’t own a car.

Car Insurance is Different in Tampa

If you would like a cheap Florida auto insurance quote just click here on Get a Quote.  You will receive an instant Cheap Florida car insurance quote 24 hours a day. If you like the quote you can even purchase your car insurance online. If you prefer to talk to a live agent just give us a call at 813-972-1947 or select the form at the bottom of this page where a live agent will contact you for a Florida auto insurance quote.

If you’re new to Tampa you may find auto insurance is different than what your use to. Major reason is auto accidents and car insurance Fraud. Tampa is one of the leading cities in the nation for staged car accidents and insurance fraud. That is why car insurance in Tampa tends to be higher than other areas of the country. However you can still find Cheap Affordable Car Insurance in Tampa. That is where we come in. We deal with multiple car insurance companies giving you the most affordable coverage options. Let our agents find you the lowest car insurance for you.

In Florida there are two types of SR22 Filings. One is a non-cancellable SR22, the other for financial responsibility. If you are caught driving in Florida without the required auto insurance you will have to file a non-cancellable SR22. A Florida Non-Cancellable SR22 requires the minimum Florida Auto Insurance requirements of $10,000 PIP and $10,000 Property Damage Liability. The kicker is you are not allowed to make installment payments. You must prepay your policy in full for 6 months and you cannot cancel your auto insurance at any time, thus the name non-cancellable.

cheap car insurance tampa fl

Cheap SR22 Insurance Tampa

The other type of SR22 in Florida is for financial responsibility. This type of SR22 is required whenever you are involved in a car accident and either do not have car insurance or are not carrying enough auto insurance to cover the damage you are held liable for, as well as for certain other traffic infractions. In Florida this type of SR22 requires you not only to have the minimum auto insurance requirements of $10,000 PIP and $10,000 Property Damage Liability but also bodily injury Liability of $10,000 per person and $20,000 total per accident.

In Florida FR44 insurance is required if you are convicted of various drinking violations. The minimum Florida Auto Insurance Liability requirements for an Fr44 filing if you own a vehicle is $10,000 PIP, $50,000 Property damage liability, and Bodily injury liability of $100,000 per person injured and $300,000 per accident. If you don’t own a car you will be required to purchase a non-owners auto insurance with an FR44 filing attached to the policy. In many instances an FR44 may be required to be non-cancellable like certain SR22 filings. For a Florida FR44 insurance quote please give us a call at 813-972-1947.

We also offer commercial auto insurance. For more information on commercial insurance please visit our commercial insurance page by clicking here.

We help to get Solutions!

Unfortunately, Tampa is well known for staged car accidents and car insurance fraud.

In Florida, however, a crash goes on your record if you were issued a traffic citation as a result of the accident. Most stay on your record for three to five years, according to the Florida Department of Highway Safety and Motor Vehicles

Specializing Team

Dan Colucci
Co-Founder / Co-Owner

Dan Colucci

Fran (Retired)
Co-Founder / Co-Owner (Retired)

Fran (Retired)

Radhamas
Customer Service

Radhamas

Life Insurance Tampa FL

Let Colucci Insurance provide you with all the life insurance coverage you and your family deserve.  We have more than 30+ years experience helping to protect and insure what matters most!

Some Benefits Are Listed Here:

Why Invest in Life Insurance

Life insurance is a crucial financial safety net that provides peace of mind and security for you and your loved ones in the event of an unexpected and untimely death. It is a contract between you and the insurance company, where you pay premiums in exchange for the guarantee that a lump sum payment will be made to your beneficiaries upon your death. The benefits of life insurance are numerous, and everyone should consider getting a policy.

First and foremost, life insurance provides financial security for your loved ones. If you were to pass away, the policy payout can be used to pay off debts, such as a mortgage or car loan, cover daily living expenses, and provide for your children’s education. This financial support can be critical in helping your family maintain their standard of living and avoid financial hardship during a difficult time.

Secondly, life insurance can act as an inheritance for your loved ones. It can help them maintain their lifestyle or provide for future financial goals, such as starting a business or purchasing a home. Moreover, life insurance can provide a tax-free death benefit that can be passed on to your beneficiaries, which can significantly reduce the tax burden on your estate.

life insurance tampa

Thirdly, life insurance can be an essential tool for business owners. Business owners can use life insurance to fund a buy-sell agreement, ensuring that their business partners can buy their share of the business in the event of their death. This can prevent a business from being sold to an unwanted buyer or being divided among the surviving partners.

Lastly, life insurance can be an affordable way to ensure that your final expenses, such as funeral costs, are covered. Many people underestimate the cost of funerals, and having a life insurance policy can provide peace of mind knowing that these expenses will not be a burden on your loved ones.

Life insurance is a critical tool for anyone who wants to ensure financial security for their loved ones in the event of their unexpected death. It provides a tax-free payout to your beneficiaries, which can be used to cover living expenses, pay off debts, provide an inheritance, and fund business arrangements. Furthermore, life insurance can be an affordable way to ensure that your final expenses are covered.

Specializing Team

Dan Colucci
Co-Founder / Co-Owner

Dan Colucci

Fran (Retired)
Co-Founder / Co-Owner (Retired)

Fran (Retired)

Radhamas
Customer Service

Radhamas

Commercial Insurance Tampa

Colucci Insurance writes all lines of commercial insurance and we cater to the small business owner. If you have had difficulty getting the coverage you need for your business, call our office at (813) 972-1947. We represent numerous insurance companies specializing in commercial insurance policies and can provide coverage throughout the State of Florida.

Types of Businesses Covered

Better Strategy With Quality Business​

We have been offering Commercial Insurance in Tampa Florida for over 30 years. So if you are looking for low cost commercial insurance you need to give us a call.  We offer many types of commercial insurance for Florida businesses from commercial auto insurance and general liability insurance to Florida Workers Comp insurance. We offer commercial auto insurance to most types of vehicles from pickups, cargo vans, box trucks and tractor trailers including UIIA insurance for intermodal transport.

intermodal transport insurance florida

Florida is not the only state we offer commercial auto and truck insurance in. We also offer Commercial auto and Truck insurance in TX, AL, GA, TN, SC, NC, VA, PA, VA, OK, IN and MI.

We can offer you Affordable Florida Commercial Auto Insurance and Commercial Truck Insurance Featuring Low Down Payments and EZ Monthly Installments. We have access to many markets for Florida Truck Insurance making sure you get the Lowest Possible Commercial Auto Insurance rate on your Truck. We have low Cost Commercial Auto Insurance programs for Dump trucks, Tow Trucks, Box trucks, straight trucks, Charter bus, Party Bus, Artisan Contractors, Auto haulers, Car Carriers, Delivery Vans, Long Haul Trucking, Tractor Trailers, Semi Trucks and Non Trucking Liability such as Bobtail Insurance. If it has wheels, we have a commercial auto insurance market for you. Please give us a call at 813-972-1947 to start saving money today!

semi truck insurance tampa fl

Tractor Trailers and Semi-Trucks

We also offer UIIA Insurance for truck drivers who haul Intermodal Containers in and around ports. The UIIA requires certain commercial auto insurance coverages that not all insurance companies offer such as the CA 23-17 endorsement for intermodal containers. We do have access to commercial auto insurance markets that can provide you with what the UIIA requires. Please contact us if you’re interested in a UIIA insurance quote. Here is a link for the UIIA insurance requirements https://www.uiia.org/insurance-agents/uiia-insurance-requirements

For tractor trailer insurance and semi-truck insurance we have several markets to choose from. Doesn’t matter if you’re looking for long haul insurance, or if you just do local hauling between Tampa and Miami, we have an insurance market for your tractor trailer and semi-truck. Because we’ve been around for over 30 years we will get you the lowest possible insurance quote on your tractor trailer and semi-truck. For a Florida Tractor trailer Insurance quote on your semi-truck please give us a call at 813-972-1947 or scroll up the page and go to “click here for a Florida Commercial Auto/Truck/Cargo Insurance quote”.  In Florida a major factor in receiving an Affordable Insurance quote on your tractor trailer and semi-truck is your Safer rating with the DOT. To check on your rating please click on this link https://safer.fmcsa.dot.gov/

 

tractor trailer commercial insurance tampa

For the trucking industry we also offer Florida Cargo Insurance. Cargo insurance is sometimes referred to as motor truck cargo insurance or MTC. Cargo insurance is a must for anything transported by a truck. Cargo insurance covers what a truck is hauling in transit. If you have truck insurance but do not carry cargo insurance you can be at serious financial risk. That is why Cargo insurance is a must for anything hauled by trucks. If you cross state lines you will need Cargo Filings.

Taxi, Charter Bus and Limos - Oh my!

We also have some of the Lowest Commercial Auto Insurance Rates in Tampa Florida for Taxi’s, Limo’s, Airport Shuttles, non-emergency medical transport insurance, Charter bus and Party Bus Insurance. Charter Bus insurance rates in Florida depend on if you cross state lines. Taxi’s and Limousines have special types of insurance requirements in Tampa Florida.

You must obtain a Hillsborough County Public Driver’s License and a for-Hire Vehicle Permit on your Taxi or Limousine. You will also need to show proof of commercial auto insurance of 125/250/50 for every Taxi and Limousine you wish to register. For further info on registering a taxi or limo in Tampa please click on this link

 

limousine commercial insurance tampa

Cheap Dump Truck Insurance

In Florida Commercial Auto Insurance requirements vary upon the GVW of your truck.  For Example minimum liability for Florida Dump Truck insurance is $50,000 for a Light Dump Truck (26,000GVW to 35,000 GVW). A medium size Dump Truck (35,000 GVW to 44,000 GVW) requires 100,000 of Commercial Auto insurance.

A heavy Dump Truck (over 44,000 GVW) requires the most insurance, $300,000 of Liability insurance. If your Dump truck crosses state lines then you are required to carry $750,000 of insurance on your Dump Truck. The same insurance requirements apply for Tow Truck insurance.

For instance in Florida Tow Truck Insurance requirements are $50,000 for light Tow Trucks. Medium sized Tow Trucks are required to carry $100,000 of commercial auto insurance. Heavy tow trucks are required to carry $300,000 of liability insurance. In addition to these insurance requirements it is highly recommended that tow truck operators carry on hook insurance coverage. On hook insurance covers the car you are towing and is a must for tow trucks.

If you’re looking to save money on Tow Truck Insurance or Dump Truck Insurance please give us a call at 813-972-1947.

dump truck insurance tampa florida

Liquor Liability Insurance Tampa

We also offer Liquor liability insurance for drinking establishments. Liquor Liability Insurance is a must for bars, taverns, night clubs, package stores or any business that sells or serves Liquor. Simply put liquor liability insurance protects you from lawsuits for bodily injury and property damage from an intoxicated person served liquor by the policy holder. For a Florida liquor liability insurance quote please call our office at 813-972-1947. 

For individuals we also offer Host Liquor Liability Insurance.  Even if you do not charge for drinks if you serve liquor at a private or business function you can be found liable.  Host liquor liability insurance is designed to cover your liability as a host.

Garage Liability Insurance Tampa

We also offer Garage Liability Insurance. Our Garage Liability insurance policy’s offer Low Down Payments. Garage Liability Insurance is insurance for Car Dealers, Auto Repair Shops, service stations, and tow truck operators as well as some other business risks. We have many programs for garage liability insurance enabling you to receive the lowest possible rate for your business. For a quote on Florida garage liability insurance please call our office at 813-972-1947.

garage liability insurance florida

Workers Comp Insurance Florida

In Florida Workers Comp Insurance is required for all Businesses that have employees. There are severe penalties in Florida for not carrying workers compensation insurance. Minimum Florida Requirements for Workers Comp Insurance are $100,000 per occurrence, $500,000 aggregate, and $100,000 per disease.  Sometime payroll leasing is a better option for small employers. We have access to employee leasing companies in addition to workers comp insurance companies. If you’re in the construction industry and have less than 3 employees you can apply for a workers comp exemption. To apply for a Florida Workers Comp exemption go to this website 

Commercial Property Insurance Florida

Another Important Business risk we offer is Commercial Property insurance. Commercial property insurance protects commercial risks from such risks as fires, theft and windstorms. Commercial property can consist of either your contents or a building you own. In Florida Commercial Property Insurance has unique hazards that you may not find in other states such as hurricanes and sinkholes.

commercial property insurance florida

Cyber Liability Insurance

A new business risk has evolved since the internet has become popular. Cyber Liability Insurance is a must for any business that transacts business online or takes payments online. More and more general liability Insurance policies are now excluding cyber liability. Real simply a cyber liability insurance policy protects a business from cyber-crime and data breaches.

General Liability Insurance Tampa

If you own a business in Florida you need General liability Insurance. We offer Affordable General Liability Insurance with Low Down payments. If you do not carry General Liability Insurance you can put your business in serious financial jeopardy. Commercial general liability insurance is a broad type of insurance for different business risks, thus the name general liability insurance. 

It is important to have completed operations under your general liability insurance policy. Completed operations cover your business financially after a product or service has been delivered or accepted. General liability Insurance claims can linger for years after a product or service has been provided. 

For a General Liability Insurance quote for your business please give us a call at 813-972-1947 or click the banner at the top of this page labeled “Get Your Free General Liability Insurance Quote Instantly”. You will then receive a Florida General Liability Insurance quote for your business.

Commercial Umbrella Insurance Florida

Lastly a business should also consider a Commercial Umbrella Insurance policy. Sometimes an umbrella is referred to as an excess liability insurance policy but they are actually different types of policies. Excess Liability Insurance tends to be more restrictive than a true Umbrella policy. A commercial Umbrella policy is designed to offer an extra layer of coverage on top of your other commercial insurance policies. That is why most umbrella policies requiring some sort of underlying coverage. 

For example they may require that you have a $1 million commercial auto insurance policy and general liability insurance of at least $1 million as well. However in some cases an Umbrella can provide additional insurance coverages not included in the underlying policy. An excess liability policy will not provide that extra level of protection. It is important that you read the details of your policy to see what is covered and what is not.

Specializing Team

Dan Colucci
Co-Founder / Co-Owner

Dan Colucci

Fran (Retired)
Co-Founder / Co-Owner (Retired)

Fran (Retired)

Radhamas
Customer Service

Radhamas

Aviation Insurance Florida

We offer the best in comprehensive Florida Aviation insurance. We have multiple markets that understand the unique nature of Florida’s aviation insurance marketplace. In addition to Florida we also offer aviation insurance in Georgia (GA). Alabama (AL), Texas (TX), Tennessee (TN), South Carolina (SC), North Carolina (SC), Oklahoma (OK), Virginia (VA), Indiana (IN), Michigan (MI) and Pennsylvania (PA).

We offer a broad range of type of aviation insurance, such as for air charter operations (FAA Part 135) including island hopping in the Bahamas and other Caribbean Islands to worldwide coverage. We also have affordable programs for Corporate owned and privately owned aircraft. We have access to most of the major aviation insurance markets offering you the broadest coverage at the most affordable price for you.

Our Targeted Coverages Include:

Our Targeted Classes Include:

aviation insurance florida
aviation insurance underwriters

We help to get Solutions!

Aviation insurance normally covers physical damage to the aircraft and legal liability arising out of its ownership and operation. Specific policies are also available to cover the legal liability of airport owners arising out of the operation of hangars or from the sale of various aviation products.

  • Public liability insurance.
  • Passenger liability insurance.
  • Ground risk hull insurance not in motion.
  • Ground risk hull insurance in motion.
  • In-flight insurance.

Aviation insurance is insurance cover for aircraft, and for damage, injury, or loss of life or cargo while traveling on aircraft. A number of countries require aviation insurance for accident and sickness on airline passengers and crews.

Specializing Team

Dan Colucci
Co-Founder / Co-Owner

Dan Colucci

Fran (Retired)
Co-Founder / Co-Owner (Retired)

Fran (Retired)

Radhamas
Customer Service

Radhamas