Based in Gulfport, Florida, our independent auto insurance agents understand the auto insurance needs of Florida.
The right auto insurance policy in Florida can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. We can help you determine the best coverage for your needs.
Why Florida trusts us with their auto insurance needs:
Right Policy at the Right Price
We are independent and solely here to serve you, which means our work doesn't stop until we know you have the best auto insurance policy
Quick & Helpful Service
We will help save you time by having your coverage set up quickly, while we make sure that all of your questions are answered.
No one knows the local area like we do and has built the trust that we have serving the St. Pete, Gulfport, and greater Tampa Bay area.
Call us at (727) 321-1212 for your personalized Automobile Insurance quote
or quickly fill out the form below and one of our specialists with contact you to discuss your best auto insurance options.
Florida Auto Insurance Coverage Options
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both. Collision coverage insures you against damage to your vehicle caused during an accident. Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism. Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states, Including Florida, require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
Call us at (727) 321-1212 for your personalized auto insurance quote.
We have a network of fine carriers that offer varying discounts. Our team of insurance professionals understands the Florida car insurance needs of our customers.