Florida is one of the most expensive auto insurance states in the country, with mandatory PIP, no-fault rules, and high uninsured-motorist exposure. As an independent agency, we quote multiple top-rated personal auto carriers to find the right combination of coverage, deductibles, and price for your situation — and we pair auto with home for multi-policy discounts that often save 15–25%.
Florida minimum coverage is not enough
State minimums ($10K PIP, $10K PDL) leave you wildly exposed. We recommend 100/300/100 liability with full UM/UIM at minimum for most 30A drivers.
Bundling auto with home or umbrella
Multi-policy discounts are real and substantial. Pairing auto with your homeowners and umbrella through a single agency simplifies billing and lowers total premium.