What you drive
One car, more than one quote.
Two companies can look at the same car, the same driver and the same limits and come back with different numbers. More than one carrier quotes the same coverage, and you see the better price before you decide. The difference usually sits in one or two lines of the policy rather than in the policy as a whole.
- Florida's required minimum covers a share of your own medical bills and the property damage you cause to other people. It does not pay to repair your own car.
- Collision and comprehensive are the coverages that fix or replace the car you drive, and they are optional unless a lender or a leasing company requires them.
- A personal auto policy does not pay for wear or mechanical breakdown, and most personal policies exclude the hours you spend driving for a rideshare or delivery app.
- Carrier Options
- 30+
- Languages Served
- 2
- National carrier performance awards since 2020
- 9
What Florida auto insurance covers
We shop the market for you across 30+ carriers
Florida auto insurance is sold as one premium and is really several coverages, each paying in a different situation. Some of it answers for the harm you do to other people and their property. Some of it pays to repair your own car. Some of it covers your own injuries when the driver who hit you has nothing behind their name.
Where people get caught is the difference between the coverage that is cheapest to carry and the coverage that answers when the other driver cannot pay. The office is in Sunrise and drivers are insured across Florida, and auto is the coverage where the gap between two quotes on the same car tends to be widest.
Liability
Injury and property damage you are responsible for in an accident involving someone else.
Collision
Repairs to your own car after a collision, no matter who was at fault.
Comprehensive
Your car against what does not involve another vehicle: theft, fire, hail, a tree in a storm.
Uninsured motorist
Your own injuries when the driver who hit you is uninsured or carries too little.
Auto Insurance FAQ
Does Florida require me to carry collision and comprehensive?
No. The state's minimum is built around your own injuries and the damage you do to other people's property, so a policy can meet it and still leave your own car unrepaired after an accident. Collision and comprehensive are the coverages that answer for the car itself, and a lender or a leasing company will usually require both for as long as the loan runs.
My policy says full coverage. What is in it?
Full coverage is shorthand for liability plus collision and comprehensive. It is not a defined level of protection, and it does not mean every loss is paid. Your limits and your deductibles decide how much you get back, and so does whether uninsured motorist is on the policy at all. Those are the lines worth reading before you renew.
What pays if the driver who hits me has no insurance?
Uninsured motorist coverage, if it is on your policy. It answers for your own injuries when the other driver has no coverage, or carries too little for what happened, which is why it is the first line to check on a Florida policy. Your own collision coverage handles the repair to the car in that situation, less the deductible.
Get your auto quote
Your details come to me, not to a call center.
- Phone
- (561) 473-7513
- Office
- 4974 N Pine Island Rd, Sunrise, FL 33351
- Hours
- Mon-Fri, 9am to 6pm