Driving in a Tourist Area? Here’s What That Means for Your Auto Insurance

Driving in areas with heavy tourism can be both exciting and challenging. Whether you’re navigating scenic coastal highways or bustling city centers, it’s essential to ensure your auto insurance is tailored to the unique risks of these environments. At Florida Coast Insurance Agency, our team has the knowledge and experience to help you navigate these situations and retain the right coverage.

6 Key Auto Coverage Considerations in High-tourism Areas

If you plan to drive in an area with high tourism rates, you may need to consider the following factors:

1. Greater accident risk—Tourist-heavy areas often mean congested roads, unfamiliar drivers, and frequent stops. Make sure your policy includes comprehensive collision coverage to protect against fender benders and more serious accidents.

2. Rental car coverage—If you’re renting a vehicle in a tourist destination, check whether your current policy or credit card offers rental car insurance. If not, consider purchasing coverage through the rental agency to avoid costly out-of-pocket expenses.

3. Uninsured motorist protection—Tourists may come from regions with different insurance requirements, or none at all. Uninsured/underinsured motorist coverage ensures you’re protected if you’re hit by someone without adequate insurance.

4. Roadside assistance needs—Getting stranded in an unfamiliar area can be stressful. A policy with roadside assistance can provide peace of mind, offering help with towing, flat tires, or lockouts.

5. Comprehensive coverage—Tourist spots can attract opportunistic crime. Comprehensive coverage protects against vehicle theft, break-ins, and vandalism—especially important if you’re parking in public lots or overnight in unfamiliar areas.

6. Temporary adjustments—If you’re only visiting a high-tourism area temporarily, speak with your insurer about short-term policy adjustments or travel-specific endorsements.

Get the Right Coverage

Whether you live in or around a popular destination or plan to visit one, you may need to take such things into account when considering your auto insurance needs. At Florida Coast Insurance Agency, we can help those in Davie, FL assess their situations and find the right policies. Contact us today to begin.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.