Florida Personal Auto Insurance

Peace of Mind for you and your family on the road.

We’re ready to help you protect your lifestyle and dreams with car insurance. We understand the need for different types of auto insurance coverage, and we take great pride in offering a wide range of car insurance policies at competitive rates. We’ll find you the best auto insurance policy to meet your needs and your budget.
We offer you a personalized service, and our insurance specialists will work with you one-on-one to find a policy that keeps you and your family protected.

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Get the protection you need and the attention you deserve!

It’s essential to understand what your coverage options are — not just for your car, but for you, and to others. We’re local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your needs.

Why do you need</br> Car Insurance?

Why do you need
Car Insurance?

Having insurance is a legal requirement that provides financial protection of the cost of a potential loss.
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What does Personal Auto</br> Insurance cover?

What does Personal Auto
Insurance cover?

The right level of cover protects in the event of your damage to properties and injuries you and to others.
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How Much Does Car</br>  Insurance Cost?

How Much Does Car
Insurance Cost?

An insurance premium is based on several factors, including your age, where you live, and what kind covers you buy..
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Why do you need Car Insurance?

In Florida and like almost every other state, it’s illegal to drive without car insurance. Every state has a legally required minimum liability coverage. If you are unable to provide proof of insurance in Florida, you run the risk of having your vehicle impounded, and your license suspended and fined. If you make a habit of getting caught without it, you could end up in jail. The other good reason to have car insurance is consistency. It’s easier to pay monthly or quarterly premiums than to swallow the sudden cost of an unfortunate accident.

Here are some specific circumstances that personal car insurance would cover:

  • Damage to property in an auto accident caused by you. Cause Injury to others in an auto accident caused by your car.
  • Theft or vandalism of your car.
  • Your family become injured in an auto accident and need medical assistance.
  • Your car is involved in an auto accident caused by another driver who does not have adequate/any insurance coverage.

What does Personal Auto Insurance cover?

Florida car insurance laws are notably different from many other states, also known as the Florida No-Fault Law. Meaning that a driver who is involved in an accident would collect medical, disability, and other compensation from their own insurance company, regardless of whether or not they caused the crash.

It requires all drivers of vehicles with at least four wheels to purchase and carry an auto insurance policy with at list two types of coverage: Personal Injury Protection (PIP) and Property Damage Liability (PDL). Each those type of coverage must have a minimum coverage amount of $10,000.

Typical Florida Policy Components.

Collision Damages

This coverage pays for the damage to your vehicles in the event you cause an accident or someone else vehicle.

Property Damage Liability

This coverage provides you with protection if your car accidentally damages another persons property.

Bodily Injury Liability

This overage pays for bodily injury or death resulting from an accident for which you are at fault.

Comprehensive Damages

This overage pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other perils. Collision Damages.

Uninsured Motorist

This coverage pays cover costs when another driver lacks adequate coverage to pay the medical costs of an accident.

Personal Injury Protection

This overage pays for bodily injury or death resulting from an accident regardless who at fault.

Additional coverage types may be available depending on the insurance company that you chose..

  •  Medical Payments
  • Gap insurance
  •  24-Hour Road Service
  • Rental Reimbursement
  • Roadside Assistance
  • Accident Forgiveness
  • Diminishing Deductible
  • Specialty Auto Insurance

How Much Does Car Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. We compared premiums from some of Florida’s most popular insurers.

Basic Demographics

Your age, sex, marital status, and location.

Driving History

Your driving record and loss history plays a substantial role in the rates.

Driving Habits

Your daily driving routine and what purposes you use of your car.

Credit History

The better your credit, the more favorable your rates will usually be.

Coverages You Choose

Your insurance choices and coverage amounts have a significant impact on how much you’ll pay.

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