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.
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 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:
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.
Additional coverage types may be available depending on the insurance company that you chose..
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.
Your age, sex, marital status, and location.
Your driving record and loss history plays a substantial role in the rates.
Your daily driving routine and what purposes you use of your car.
The better your credit, the more favorable your rates will usually be.
Your insurance choices and coverage amounts have a significant impact on how much you’ll pay.