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car insurance tampa

Expert Help from Expert Insurance Agents


Gonzalez Insurance Agency has been protecting businesses for over 30 years.

assured protection

We are there when you need us, protecting the things that matter most. 


The coverage you need at a price that works for your budget. 


Everyone needs auto insurance. Get a quote from a company that delivers affordable rates and personalized service when you need it. Gonzalez Insurance Agency has been saving people money on auto insurance for 35 years. We know a thing or two about auto insurance in Tampa. 

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Why do you need car insurance in Tampa?

If you own a car, you need auto insurance. An auto insurance policy provides financial protection for you and others if you're involved in an accident. All it takes is 15 minutes to get a personalized auto insurance quote with the best rates, discounts, and options available to you.


With so many different coverage options, it can be complicated to shop for insurance. Our agents can simplify the process and help you find the right auto insurance policy for your needs and budget. Avoid paying for unnecessary coverage and make sure you have the coverage you actually need by working with our experienced professionals. 

We offer auto insurance policies with extraordinary coverage and best-in-class customer service, which makes a huge difference when you are stuck on the side of the road or get in an accident. Get a fast and free car insurance quote to see everything Gonzalez Insurance Agency has to offer.

How Does auto Insurance Work?

Auto insurance can help protect you financially in the event of a covered loss. You can select the amount and type of protection by choosing your coverages and limits. An auto insurance policy can provide coverage for:
  • Vehicle Repairs
  • Medical Expenses
  • Property Damage
  • Rental Reimbursement

When you compare auto insurance rates, make sure they're for the same coverages, limits, and deductibles. Shopping for auto insurance is fast and easy with us. 

Understanding Your Auto Insurance

Your auto insurance policy consists of multiple coverages that provide protection in different situations involving your vehicle. Coverages have different limits and may have deductibles. Specific coverages and limits may also be required by a lienholder or lender.

To understand your policy more easily, there are many insurance terms you should know:

  • Coverage: Protection and benefits provided to you
  • Limits: Maximum quantity of protection for a particular coverage
  • Policy: Contract between your insurance carrier and you
  • Premium: Price of your insurance policy
  • Deductible: Fraction you pay out of pocket when you file a claim

Find the right insurance in Tampa

With so many different coverage options, it can be complicated to shop for insurance. Our agents can simplify the process and help you find the right auto insurance policy for your needs and budget.

Liability Coverages

Liability Coverages include:

  • Bodily Injury Liability: Pays claims for bodily damages or death resulting from an accident for which you are at fault
  • Property Damage Liability: Pays claims for damages to someone else's property resulting from an accident for which you are at fault

Medical Coverages

Medical Coverages include:

  • Medical Payments coverage: Can pay medical damages related to an auto accident
  • Personal Injury Protection coverage: Can pay for your medical therapy, lost wages, or other accident-related damages regardless of who caused the accident

Uninsured Motorist Coverage

Uninsured or Underinsured Motorist Coverages protect you when the other driver's insurance is insufficient or nonexistent:

  • Uninsured coverage: may help compensate you for your injuries or property damage caused by a driver without insurance.
  • Underinsured coverage: can protect you from at-fault drivers with insufficient insurance coverage to pay your claim.

Vehicle Coverages

Vehicle Coverages include:

  • Collision coverage: Can pay for expenses to your auto when it hits, or is hit by, another car or other object.
  • Comprehensive coverage: Can pay for expenses to your auto from vandalism, flood, theft, fire, or other covered losses.

Additional Auto Insurance Coverages

  • Emergency Road Service
  • Rental Reimbursement
  • Mechanical Breakdown Insurance

There's much to learn about auto insurance coverages. If you have inquiries, contact our certified insurance agents.

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How can I save money on auto insurance?

Your auto insurance bill is not necessarily set in stone. Our agents can help you consider and adjust many factors that impact your auto insurance rates, including:

1.   Installing Safety and Security Devices
2.   Finding Discounts
3.   Combining and Consolidating Policies
4.   Opting for a Higher Deductible

What auto insurance coverages are available?

Your auto insurance policy consists of multiple auto insurance coverages. Coverages provide protection for specific circumstances and each coverage is subject to its own limits and deductibles.  Talk to an agent at Gonzalez Insurance Agency to learn more about the many different coverage options available to meet your specific needs.

What is a car insurance deductible?

A car insurance coverage deductible is the amount of money you agree to pay if making a claim under coverages such as comprehensive, collision, uninsured motorist property damage, and personal injury protection.

How does an auto insurance deductible work?

Let's say you have collision coverage, with a $250 deductible. You're involved in a car accident that causes $2,000 of damage to your car. If you file a claim with your insurance company, you'll pay your $250 deductible and your insurance company will pay the remaining $1,750 for your car repairs.


Since 1986, Gonzalez Insurance Agency has been serving policyholders – protecting businesses, mitigating losses, defending claims. 
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