Comprehensive coverage for your personal and commercial vehicles. Our policies are designed to provide robust protection whether you're on the road for personal use or business operations. We cover a wide range of vehicles and scenarios so you have peace of mind.
Florida is a no-fault state, which means your own policy pays for your medical expenses regardless of who caused the accident. That makes Personal Injury Protection (PIP) coverage especially important here. We'll walk you through every required coverage and every optional one, so you understand exactly what you're paying for.
In Florida, auto insurance isn't just a good idea, it's the law. For businesses with vehicles, having the right commercial auto coverage is crucial for protecting your assets and ensuring operational continuity. We'll help you find the policy that balances protection and affordability.
A captive agent at a big-name insurer can only quote you one company. We shop 15+ carriers per quote, including specialty markets for high-mileage drivers, multi-vehicle households, fleet operators, and drivers with imperfect histories. Rates can vary by hundreds of dollars per six months for the exact same coverage. We find the gap.
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). These minimums almost never cover a real accident. Most clients carry liability limits of $100,000/$300,000 or higher, plus uninsured motorist coverage. We'll walk you through what makes sense for your situation.
Legally, no. Lenders require collision and comprehensive, but if you own the car outright, those are optional. The real question is whether you could afford to replace your vehicle if it's totaled tomorrow. If the answer is no, keep full coverage. If yes, dropping to liability-only may save money. We help you do this math.
Usually not, and that's a common, dangerous gap. Personal auto policies typically exclude business use. If you drive to job sites, deliver products, or carry tools for work, you likely need commercial auto coverage or a business-use endorsement. We'll review your situation and recommend the right structure.
The biggest lever is shopping carriers. We compare 15+ at every renewal. Beyond that: raise your deductible if you can afford to (saves 15-30%), bundle with home or renters, install telematics if your driving habits support it, drop comprehensive on older vehicles, and remove drivers no longer in your household.
Don't assume you can't get a good rate. We work with non-standard and specialty markets that price drivers with imperfect histories fairly. A ticket from 30 months ago shouldn't be priced like one from last month.
Free, no obligation, 15+ carriers compared. Hablamos Español.
