Best Auto Insurance in Florida (Homestead and Windermere)
Having the right car insurance Florida policy can help protect you financially if you are involved in an accident or your vehicle is damaged.
Auto Insurance Made Simple
This is designed to provide you with a layer of protection against property, liability, and medical costs following an accident. However, choosing the right one can be overwhelming. Reach out to our agency to learn more about coverage possibilities and find the policy that’s right for you.
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Securing a coverage plan has never been easier! Whether it’s for personal or commercial auto insurance Florida, you’ll have a selection of comprehensive plans from top companies with just a few clicks. Choose what works for you and get covered instantly. No jargon, no endless forms — just peace of mind in minutes.
What Do Auto Insurance Policies Cover?
There are various cheap auto insurance in Florida, however, based on the policy you choose, your coverage will vary. Here are some of the most popular coverage options:
There may be additional coverages that will be necessary based on your unique circumstances such as personal injury protection and roadside assistance. Be sure to ask our agency how we can tailor Florida car insurance to your needs.
- Collision insurance — This portion of your car insurance policy accounts for damage costs if you are involved in a collision.
- Liability insurance — If you are at fault in a wreck, this coverage insures you against any damage you cause others. Most states, including Florida, require drivers to carry minimum amounts. There are two kinds of coverage included:
- Property damage liability — This coverage helps to pay for the damage to the other driver’s property (e.g., their car).
- Bodily injury liability — This Florida car insurance coverage helps pay for medical fees and sometimes death benefits for the other person caught in the wreck.
- Medical payments (MedPay) insurance — This portion of your policy aids you in paying for the medical bills of you and your passengers get into an accident.
- Uninsured/underinsured motorist insurance — This type of coverage assists cover the cost of damages caused by someone who doesn’t have adequate Florida car insurance, specifically liability coverage.
- Comprehensive insurance — This portion of your policy covers other expenses that are not related to a wreck, such as theft, caused by weather, or vandalism.
How Does It Work?
An auto insurance is a contract between an insurer or insurance company and an individual. You’ll pay premiums for your chosen coverage. Insurers use various data points to calculate premiums, with your driving record, claims history, location age, and the policies you select.
The aftermath of an accident may include repair costs, medical expenses, and potential legal fees. Having a clear auto insurance coverage policy can help reduce the financial impact of an accident. Working with an experienced agent can help ensure that you have appropriate Florida car insurance.
Is Car Insurance Florida Required?
Florida drivers must maintain auto 3rd-party insurance with limits that meet the state’s mandated minimums. If you lease or finance a vehicle, the lienholder typically requires physical damage insurance, and comprehensive insurance coverage. Your agent may recommend additional policies and endorsements, depending on your situation.
How to Get Auto Insurance?
As one of the best Florida auto insurance companies, F & N Insurance Group, Inc. is committed to helping you find a policy to fit your specific needs. Reach out to us to start the conversation or to get a quote.