My Florida Insurance has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars. Whether you live in Bonita Springs, or any other part of Florida, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.

Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. You’re at risk every single time you get your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

Auto Insurance

Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t is, having great coverage doesn’t necessarily mean having higher insurance premiums.

Because My Florida Insurance is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Get the best auto insurance coverages for your needs

There are many coverage options available when selecting an auto policy. From accidents and windshield damage to lawsuits and more, we have options for you. We at My Florida Insurance, review your current coverages and provide recommendations of potential gags! Get an auto insurance quote online and customize your coverages to fit your needs.

Keep in mind, coverage offerings vary by state.

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield, an animal you might hit, and so on.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses.

Common Auto Insurance Rating Variables

Age

Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.

Credit

Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.

Car

The type of car, engine size, safety features, etc.. are all part of determining the rate.

Driving History

Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.

Household

Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

How to get started with your car insurance quotes

Our insurance agents at My Florida Insurance are ready to review your insurance policies and offer their professional advice and recommendations to help you better understand the ins and outs of what you are purchasing. No need for you to have to go multiple places and sites to get quotes. We do it for you. Start your quote today!