Question 1

What types of auto insurance do I need in Florida?

Accepted Answer

Florida requires at minimum $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability — but those minimums leave most drivers seriously exposed. The right coverage depends on your car, your finances, and your risk tolerance. Call us and a licensed agent will tell you exactly what you need — no upselling, just honest advice.

Question 2

What's the difference between liability, collision, and comprehensive?

Accepted Answer

Liability pays for damage or injuries you cause others. Collision covers your own car after an accident. Comprehensive covers theft, weather, and non-collision damage — especially important in Florida during hurricane season. Not sure which ones you actually need? Call us and we'll figure it out together in a few minutes.

Question 3

What is a deductible and how should I choose one?

Accepted Answer

Your deductible is what you pay out of pocket before insurance covers the rest. Higher deductible = lower monthly premium, but more cost if you file a claim. Common options are $250, $500, or $1,000. The right number depends on your budget and how often you drive. Call us and we'll run the numbers with you — no obligation, just clarity.

Question 4

What is uninsured motorist coverage and do I need it in Florida?

Accepted Answer

Uninsured/Underinsured Motorist (UM/UIM) coverage protects you if you're hit by a driver who has no insurance or not enough to cover your damages. Florida has one of the highest rates of uninsured drivers in the country, making this coverage well worth considering. Our agents can show you exactly how much it costs to add — it's often cheaper than people expect.

Question 5

How do I get the lowest possible rate on auto insurance?

Accepted Answer

The best way is to have someone shop multiple carriers for you at once — which is exactly what we do. We compare rates from dozens of top-rated insurance companies in minutes and automatically apply every discount you qualify for. Most clients who call us find a lower rate than what they're currently paying.

Question 6

What discounts can lower my premium?

Accepted Answer

You may qualify for a good driver discount, bundling discount (auto + home or renters), good student discount, low mileage discount, anti-theft device discount, military or veteran discount, and more. We review every discount from every carrier we work with to make sure you're not leaving money on the table.

Question 7

Can I get insured even with a bad driving record or past accidents?

Accepted Answer

Yes — and this is where we really shine. We work with carriers that specialize in drivers with accidents, tickets, DUIs, or coverage lapses. Everyone deserves to be insured and legal on the road. Give us a call and we'll find you the best available rate for your situation — no judgment, no runaround.

Question 8

Does my credit score affect my insurance rate?

Accepted Answer

In Florida, yes — insurers can factor in your credit-based insurance score. But not all carriers weigh it the same way. If your credit isn't perfect, we know which carriers are more lenient and can still get you a competitive rate. Call us and we'll match you with the right carrier for your profile.

Question 9

How quickly can I get covered?

Accepted Answer

Same day — often within the hour. If you need proof of insurance for a DMV appointment, a car purchase, or to avoid a lapse in coverage, call us right now. We'll get you a quote, walk you through your options, and have you covered before you hang up.

Question 10

What information do I need when I call for a quote?

Accepted Answer

Just the basics: your driver's license number, your vehicle's year, make, model, and VIN, and the names of any other drivers in your household. That's it — our agents handle everything else. Even if you don't have all of that handy, call us anyway and we'll work with what you've got.

Question 11

Can I switch from my current insurer and save money?

Accepted Answer

Absolutely — you can switch at any time, even mid-policy. Your old carrier will refund the unused portion of your premium. We handle the switch for you and make sure there's zero gap in coverage. Most people who call us are surprised at how much they've been overpaying. There's no cost to find out.

Question 12

Can I add or remove vehicles and drivers during my policy?

Accepted Answer

Yes — most policies allow mid-term changes like adding a new vehicle, adding a teen driver, or removing a car you've sold. Changes take effect immediately and your premium adjusts accordingly. Just give us a call and we'll take care of the update for you.

Question 13

What do I do right after a car accident?

Accepted Answer

Stay safe first — move to a safe location and call 911 if there are injuries. Then: exchange insurance and contact information with the other driver, take photos of the vehicles and scene, file a police report if needed, and contact your insurance company to report the claim as soon as possible. If you're unsure what to do next, we're here to help guide you through it.

Question 14

Will my rate go up after filing a claim?

Accepted Answer

At-fault accidents can raise your rate at renewal — but not always, and not by the same amount with every carrier. If your rate goes up after a claim, that's the perfect time to call us. We'll re-shop the market across all our carriers and often find you a better rate than what you had before the accident.

Auto Insurance Questions?
We've Got Answers.

Coverage Basics

Pricing & Saving Money

Getting Covered Fast

After an Accident

Auto Insurance Questions?We've Got Answers.

Coverage Basics

Pricing & Saving Money

Getting Covered Fast

After an Accident

Auto Insurance Questions?
We've Got Answers.