How to Get Proper Auto Insurance Without Cutting Coverage 

Florida law requires all drivers to carry minimum auto insurance, but these minimums may not be enough to fully protect you after an accident.

Essential coverage typically includes:

• Liability coverage: Helps pay for injuries or property damage you cause to others.
• Personal injury protection (PIP): Covers your medical expenses, regardless of fault.
• Uninsured/underinsured motorist coverage: May provide coverage if you’re hit by a driver with little or no insurance.
• Comprehensive and collision: Covers damage to your own vehicle from accidents, theft or weather events.

Cutting back on these protections to lower your premium can leave you financially vulnerable. Instead, focus on strategies that help you save while keeping proper protection.

Tips for Affordable Auto Insurance Without Sacrificing Coverage

Our agents recommend the following:

• Shop around: Rates can vary widely between insurers. Our team compares options from multiple carriers to find the best fit for your needs.
• Bundle policies: Combining your auto insurance with home or renters insurance may qualify you for discounts.
• Review your deductibles: Increasing your deductible can lower your premium, but make sure it’s an amount you can afford if you need to file a claim.
• Ask about discounts: Safe driver, good student, and other discounts may be available.
• Maintain a good driving record: Avoiding accidents and violations can help keep your rates low.

Contact Us

Ready to review your auto insurance and find affordable coverage that doesn’t cut corners? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.