Florida Auto Insurance Quote

Today it can be tough to find good Florida auto insurance coverage at a good price. All the terms and pricing can be very confusing. How much insurance do I need? What is PIP? What is uninsured motorist coverage? These are questions we hear all the time when helping our customers find Florida auto insurance.

We work for you!

At Florida Chartered he have licensed insurance agents who you can speak with directly to help you find the best auto insurance quote for you and your family. Don't worry, we don't just sell one product. We are appointed with several different Florida auto insurance carriers so that we can find you the best price with the best coverage.

Some Florida Auto Insurance Companies we work with:

Progressive

Safeco

Chubb

Foremost Corporation (Motor Cycles, Boats, and RV)

Hanover

Mercury Insurance

“How much auto insurance do I need?”

Florida's state laws requires that motorists maintain at least the following minimum coverage:

$10,000 Personal Injury Protection. (PIP)

$10,000 Property Damage Liability (PDL)

You may be required to purchase Bodily Injury Liability (BIL) if you have been involved in crash, or have been convicted of a certain offense.

Keep in mind that this coverage does not include compensation for the insured's vehicle in case of an at-fault accident.

Buyer Beware – cheap insurance can be expensive!

When buying Fl auto insurance keep in mind that the cheapest is not always the best. There are companies out there that will only give you PIP insurance. The danger with only having PIP auto insurance is that if you are in an accident you will be required to come up with $10,000 for bodily injury. If you don't have that money available you will have your license taken away. There are some that will tell you that you are fully covered when in reality you don't have comprehensive coverage to pay for your vehicle if you are in an accident.

Understanding your Florida Auto Insurance Rate

Some people believe that auto insurance quotes in Florida don't change from company to company. There are some who believe that Florida auto insurance rates are set by the State. This not true. There are many factors that go into the price of your auto insurance. That is why at Florida Chartered we shop your auto insurance with several different carriers to make sure that you are getting the best price. Each auto insurance provider/carrier is allowed to set their own prices depending on how much of a risk they feel you present. By shopping different auto insurance companies for you in Florida, we are able to try you out with different carriers. Keep in mind that rates change from time to time and its okay to shop your auto insurance at any time to see if you can save some money on a monthly basis. Its amazing how something as simple as calling one of our agents can put an extra $500 per year into your pocket.