Florida Auto Insurance Quotes & Coverage Options

The Insurance Guy has served insurance customers since 2004.

As an independent agency, we work with multiple insurance companies rather than representing only one carrier.

Founder and President Paul Morris has worked in the insurance industry since 1987, with experience involving claims, underwriting, and marketing.

That experience helps shape our approach to helping customers understand both the price and the protection provided by an insurance policy.

Our carrier relationships give us access to multiple insurance options, allowing customers to compare available policies rather than being limited to a single company’s products.

Our team includes licensed insurance professionals who can explain coverage limits, deductibles, optional protections, policy differences, and available discounts.

We know competitive pricing is important to Florida drivers and families.

We also know that paying less is not helpful if you do not understand what your policy will and will not cover when a claim occurs.

Our goal is to help you make an informed comparison.

The Insurance Guy is located at: 5966 S. Dixie Hwy, Suite 300, South Miami, FL 33143. We serve individuals and families throughout Florida.

Learn more about our company, insurance experience, and approach on our About The Insurance Guy page.

Florida generally requires owners of registered vehicles to maintain at least $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability coverage. Additional requirements may apply in certain circumstances, and drivers may choose additional coverage based on their individual needs.

“Full coverage” is not one standardized insurance product. It commonly refers to a combination of liability insurance and physical-damage protection such as collision and comprehensive coverage. Actual limits, deductibles, and optional coverage depend on the policy.

Uninsured/Underinsured Motorist coverage is designed to provide protection for qualifying injuries when an at-fault driver has no Bodily Injury Liability coverage or does not have enough coverage. Availability and how the coverage applies depend on the policy and coverage selections.

Collision coverage generally applies to covered vehicle damage caused by a collision. Comprehensive coverage generally addresses certain covered losses that do not involve a collision, such as theft, vandalism, or falling objects. Deductibles and policy terms apply.

You may need information about your vehicles, household drivers, garaging address, vehicle use, driving history, current insurance, and desired coverage limits and deductibles. Insurance carriers may request additional underwriting information.

In many situations, you can change insurers before your current policy expires. Make sure replacement coverage is active before canceling your existing policy so you do not unintentionally create a lapse in coverage.

Yes. Our agents can review information from your current policy and help you compare available alternatives. A useful comparison should consider coverage limits, deductibles, policy features, optional protections, exclusions, and premium.

Possibly. Personal automobile insurance policies can treat rideshare and delivery use differently. Tell your insurance agent exactly how the vehicle is used so available coverage options can be reviewed.

It can. The effect depends on factors such as the driver’s age, experience, driving history, vehicle, household information, coverage choices, and carrier underwriting guidelines.

Depending on the carriers and policies available to you, combining multiple insurance policies may qualify for a multi-policy discount and can make it easier to review your insurance needs through one agency.

You can learn more about our other personal insurance and property insurance options.

Claim-reporting procedures vary by insurance company. Existing customers can visit our File a Claim page or call (305) 668-7100 for assistance with an existing policy or claim-related servicing question.