GreatFlorida Auto Insurance - Vero Beach, FL - Adrian Bishop
Auto Insurance in Vero Beach, Florida
Auto Insurance Agency in Vero Beach, Florida

Auto Insurance Agency - Vero Beach, FL

Adrian Bishop


Adrian Bishop - GreatFlorida Insurance - Vero Beach, FL.

1355 U.S. 1
Suite 8

Vero Beach, FL. 32960
Fax : 772-794-1111

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Vero Beach, FL Auto Insurance

Auto Insurance | Vero Beach, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Vero Beach, FL drivers are required to have a minimum of property damage coverage and personal injury protection. Adrian Bishop at GreatFlorida Insurance Vero Beach, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist and comprehensive coverage and deductibles.

GreatFlorida Auto Insurance agents can review your car insurance needs and provide you with reliable options for an auto policy from several insurance companies, giving you what you are looking for, no more and no less. Complete an online request form and a local GreatFlorida agent in will work to find competitive rates for you.

Whether you currently own a car or are a prospective buyer, Adrian Bishop at GreatFlorida Insurance Vero Beach, FL can help you find the right Auto Insurance policy at the right price. more.

Vero Beach, FL Auto InsuranceAuto Insurance FAQs

What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the insurance company a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Vero Beach, you can get a Free Auto Insurance quote today. 

Simply call 772-794-4700 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Vero Beach.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Vero Beach.
  • We help you settle your claims quickly and fairly.

Simply call 772-794-4700 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Vero Beach will help you find the best deal for you.

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Florida Auto  Insurance Blog
by GreatFlorida Insurance

Car tires are often overlooked when it comes to your automobile, but let’s face it, you are not getting anywhere without them. They are the less sexy, workhorse on your vehicle.  It is imperative that your car tires are safe and reliable. tells us your brakes, steering and ride comfort all have to do with the quality of your tires.

“This week’s National Transportation Safety Board NTSB, report on tire recalls is disturbing,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

The NTSB reports, only one in five defective tires is being removed from the road through the safety recall process. They claim tire manufacturers are unable to contact most tire owners and warn them of a recall.

Another 24 percent of recalled tires experience damage or are removed from the road due to normal wear and tear. That leaves 56 percent of recalled tires on the road. “Based on the work we did, that system is not working,” said Dr. Rob Molloy, Director of the NTSB’s Office of Highway Safety. “It’s completely broken.”

What’s the problem with the system? There is no requirement for most tire dealers to register the tires they sell with the manufacturer. Independent dealers sell 92 percent of tires and many of them do not make a record of the purchase making it difficult for manufacturers to contact tire owners in the event of a recall.

The NTSB reported, 55 safety recall campaigns involving, 3.2 million tires from 2009-2013. It is estimated over 500 people are killed and 19,000 injured in 33,000 tire related accidents yearly.

One case cited by the board occurred in Lake City, Florida last year. The driver of a 15-passenger van felt a vibration and pulled over to inspect the tires. Not finding a problem, he resumed driving. Soon after, a tire failed causing the van to careen off the road and roll over. Two people were killed and eight others were injured.

The defect was internal and could not be seen. The tire had been recalled over a year earlier, but it was not registered with the tire maker.

The panel of NTSB investigators unanimously recommended that Congress require tire registration and also suggested that drivers register their tires with the manufacturers.

Registering tires require sending your name, address and tire identification number to the tire maker. The number can be found on the tire sidewall and starts with the letters “DOT.”

GreatFlorida Insurance provides reliable auto insurance to cover all your needs. Contact us today to find affordable auto insurance.


The post Peril on Wheels appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

The appeal of buying a new car includes the pride of ownership, desiring the most updated features a vehicle has to offer, warranty coverage and nothing more than routine maintenance for the first several years. When you buy a new car, you do not want to end up back at the dealer’s service department getting an issue resolved. Results from the 2015 Consumer Reports Auto Reliability Survey prove not all new cars are created equal.

The data was provided by Consumer Report subscribers that are also new car owners. Information was gathered from over 740,000 vehicles for 170 models.

Most reliable brands: Lexus, Toyota, Audi, Mazda, Subaru, Kia and the Buick, (the only American made car to make the list).

The most reliable car is the Audi Q3, other top autos on the list were, the Kia Sportage, Toyota RAV4 and the Subaru Crosstrek. The popular brand, Honda fell to 8th place mainly because of problems with its infotainment system and glitches with the transmission in new models, it is still considered a top pick.

Least reliable brands:  Fiat-Chrysler, Jeep, Dodge, Ram, Cadillac, Infiniti, GMC, Chevrolet and Nissan.

The least reliable cars include: Fiat 500L, Jeep Cherokee, Chevrolet Suburban, GMC Yukon XL, Ford Fiesta and the Nissan Pathfinder. Owners reported most issues were covered under warranty. Common problems were found with the fuel pump, the transmission, infotainment systems along with general squeaks and rattles in the cars.

Excluded from the survey were, Jaguar, Land Rover, Mitsubishi, Scion, Smart and Tesla, due to a lack of data. At one time, Consumer Reports named the Tesla S, “the best car ever driven.” They stripped the vehicle of this honor due to reported squeaks, sunroof leaks and charging problems reported by owners.

Consumer Reports said of the survey results, “We recommend you wait a year or more after a brand new car design is introduced before taking the plunge.”

If you are looking for a reliable car, you naturally want reliable car insurance to match. GreatFlorida Insurance compares rates and coverage to find the best car insurance to suit you and your vehicle. Call GreatFlorida Insurance today for a free quote.


The post Florida’s Most and Least Reliable Cars for 2015 appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

What is the best way to get from point A to point B?  Calm down, this is no obscure common core math problem; it is a question many ponder as they prepare to travel. Being six weeks out from Thanksgiving and about ten from Christmas,  people are contemplating the decision, “Should we fly or drive to our destination for the holidays?”

According to a recent AAA Consumer Pulse Survey, 71 percent of Floridians plan to take an overnight trip between October and December. Now that gasoline prices are cheaper, many Floridians are opting to drive rather than fly. The study reports 43 percent plan to fly, while 47 percent will take advantage of lower gas prices and drive.

“For many the issue usually boils down to money,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. “While there are some deals on air travel during the off-peak season, I think many customers are frustrated that a significant price drop in oil/gas is not being reflected in the costs of peak-season air travel.”

Aside from high prices, another issue working against airlines is air travel in general.  The American Customer Satisfaction index rates airlines as one of the least favorite industries among American consumers.

So, do you load up the car or shell out for a pricey airline ticket? You have the option to contend with possible lost or damaged luggage, long lines, delays, awkward pat downs from TSA and cramped seating. Could it be worse than coping with mind-numbing traffic and complaining passengers?

As a general rule of thumb, personal finance app, Mint recommends if the destination is less than four hours away, drive. If budget is the driving force in your decision making, has a fly or drive calculator to help you in making the decision to fly or drive for your next trip by estimating the time and costs of driving and flying.

The AAA survey found the top factors in deciding to fly or drive include:

  • Cost of airfare
  • Trip distance/length
  • Amount of luggage
  • Gas prices
  • Number of travelers
  • Traveling with pets
  • Afraid of flying

Is safety is an issue? For the record, driving is more dangerous than flying. In 2013, the National Highway Traffic Safety Administration reported 32,719 people were killed in traffic accidents in the U.S. While in sharp contrast, there were 265 deaths on commercial flights worldwide the same year.

If energy efficiency is a priority in your decision making process, the U.S.  Department of Transportation says the greenest way to travel is by bus or Amtrak.

GreatFlorida Insurance offers excellent customer service and competitive pricing on auto insurance. With over 115 offices throughout Florida, GreatFlorida Insurance is convenient and their independent agents take the time to compare prices to find  customers the best deal on auto insurance. Go online for a free quote of give us a call today.


The post Flying vs. Driving in Florida. appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

If you are concerned about last weekend’s potential storm, the occurrence of the rare “Super Blood Moon” or ensuing doomsday predictions, one thing is for sure- our world is unpredictable. In order to deal with life’s uncertainties, the Federal Emergency Management Association, FEMA is declaring October as National Preparedness Month.

“This year’s emphasis is to make sure you have an emergency plan today, do not wait,” said Ellsworth Buck, Vice President of GreatFlorida Insurance. This sounds very basic and almost trivial, but once a situation occurs, organizing and making a plan is too late. Your family could be scared, scattered and not sure what to do.” has been set-up by FEMA, as a resource to help families prepare. The website provides information on protective measures to take before, during and after an emergency. It also details, how to make a plan, assemble an emergency kit, methods for supporting community preparedness and a plan to protect your business. Activities are available for parents and educators to get kids involved as well.

It has been close to 10 years since the last hurricane occurred in Florida. In a recent poll, reports most people under the age of 34 are optimistic that a hurricane would not hit Florida this year. With a lack of storm activity over the years and 1 million new Florida residents in the state since the last storm, naivety could cause some Florida residents to be ill prepared.

Hurricane Wilma hit Florida in 2005 leaving almost 4 million people statewide without electricity for several days. Widespread flooding and property damage, common during a severe storm can prevent access to clean water and shut down businesses.  It is essential to have some supplies on hand in these instances.

One way to prepare for life’s unexpected moments is to make sure you have dependable insurance in place. GreatFlorida Insurance provides auto insurance as well as homeowner’s insurance to protect you and your family. If you are looking for top notch auto insurance or homeowner’s insurance, give us a call today, so we can help you achieve peace of mind for the future.


The post Are You Prepared? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Florida-CyclingRiding a bicycle gives you a chance to enjoy fresh air, save money and get exercise. The U.S. Census Bureau reports from 2000-2012, bikers commuting to work has increased by 60 percent. Unfortunately, Florida has a reputation as not being a safe place to enjoy this recreational activity.

The subject of drivers vs. cyclists can also set off a heated debate. While we are not advocating a firestorm, the truth lies in the startling facts. Florida newspaper, New-Press, reported on the subject reveling 120 people were killed on bikes in Florida last year.  Most of the victims were males over 20 years of age.  985 bike crashes happened in Miami-Dade County.

“It is beneficial for drivers and bicyclist to look at the road as being shared, said Ellsworth Buck, Vice President of GreatFlorida Insurance. “Mixed transportation can cause everyone on the road to slow down a bit, pay closer attention and create a safer environment.”

The Governor’s Highway Safety Association (GHSA) released a study citing an increase in bicyclist’s deaths across the United States.  Between 2010 and 2012, biking fatalities have increased 16 percent, with Florida being among the top states.

The lax laws could be partly to blame. If a driver accidentally kills a pedestrian or bike rider in Florida, they receive a fine as opposed to a criminal charge. The maximum fine a judge may impose for a moving violation is $1,000. Other penalties, such as court costs could be included.

Jonathan Adkins, GHSA Executive Director believes better education for motorists and cyclist as well as promoting helmet use, stricter motor vehicle laws and implementing infrastructure changes, (such as designated bike lanes) could help prevent a greater number of fatalities.

It does not take an engineer to figure out that a cyclist being struck by a 3,000 pound vehicle is going to be injured. A 2013 study from AAA’s Foundation for Traffic Safety reports that a person struck by a car traveling 25 mph has a 10 percent risk of dying. At 40 mph, that risk increases to 50 percent.

The News-Press found the most common cause of a bike crash was a motorist failing to yield.  But, motorists are not always to blame. Visibility especially at night can be a real problem for drivers who cannot see cyclists. The law requires rear and front lights on a bike; you cannot just depend on reflectors or reflective clothing.

Other tips that can keep bicyclists safe include, always wearing a helmet, keep your bike properly tuned-up and make sure you ride on the road, not the sidewalk and the correct side of the road.

GreatFlorida Insurance always promotes road safety so motorist, cyclists and pedestrians can share the road. Make sure you are protected in the unfortunate case of an accident. GreatFlorida Insurance offers quality auto insurance and health insurance throughout the state. Contact us today to get a free quote on auto insurance or health insurance.


The post Motorist vs. Cyclists appeared first on The GreatFlorida Insurance Blog.