Auto Insurance

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


Tell us about your insurance needs

It’s essential to understand what your coverage options are — not just for your car, but for you, and to others.

Learn More About Car Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget.

Why do you need Car Insurance 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.

Injury cause 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.

Why does Car 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 and each those type of coverage must have a minimum of $10,000 coverage amount.

Personal Injury Protection (PIP)

Property Damage Liability (PDL)

Typical Florida Policy Components.

Bodily Injury Liability

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

Property Damage Liability

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

Personal Injury Protection

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

Uninsured/underinsured Motorist

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

Collision Damages

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

Comprehensive Damages

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

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

Medical Payments

Roadside Assistance

Custom Auto Equipment

24-Hour Road Service

Gap insurance

Specialty Auto Insurance

Accident Forgiveness

Diminishing Deductible

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. Bellow, you can find some of the things that commonly influence homeowners insurance rates.

Basic Demographics — Your age, sex, marital status, and location.

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

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

What kind of car you drive — The price, style and age of your vehicle all contribute to how much car insurance costs will be.

Your Credit History — The better your credit, the more favorable your rates will usually be.

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

Household — Insurance companies underwrite at the household level, meaning they try to judge based on the entire family.

Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.

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Have any questions?

(239) 313-2045

Open Mon - Fri

9:00am - 5:00pm

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