Do I really need more than the Florida state minimum?
Technically the state minimum keeps you legal. But legal and protected are two very different things. Florida only requires $10,000 in PIP and $10,000 in property damage liability. There is zero requirement for bodily injury coverage. That means if you seriously injure someone in an accident you could be personally liable for everything beyond what your policy covers. We always recommend sitting down and talking through what you actually need before deciding what to buy.
How do I know if I am overpaying right now?
Honestly... you probably will not know until someone shops it for you. That is the whole problem. Most people assume their rate is competitive because nobody has ever shown them otherwise. We have had clients save hundreds of dollars a month simply because we ran their information across carriers they had never considered. It costs nothing to find out.
Will shopping for a new policy hurt my credit score?
No. Insurance quotes use what is called a soft inquiry which does not affect your credit score at all. You can shop as many carriers as you want without any impact to your credit.
I just had an accident. Can I still get coverage?
Yes. Having an accident on your record does not mean you cannot get covered. It may affect your rate depending on the severity and how recent it was... but there are carriers who specialize in exactly this situation. We know who they are and we work with them.
What if I have a less than perfect driving record?
Same answer. Tickets, accidents, DUIs... these make shopping harder but not impossible. Some carriers are more flexible than others. Our job is to find the one that works best for your specific situation. Not to judge you for your history.
How long does it take to get covered?
Most auto policies can be bound in 20 minutes or less once you decide on a policy. We send your proof of insurance immediately after. Same day coverage is absolutely possible.
Do I have to switch carriers to work with you?
Not at all. If your current rate is genuinely the best available we will tell you that honestly. We are not here to move you for the sake of moving you. We are here to make sure you have the right coverage at the right price. Sometimes that means staying where you are. Most of the time it does not.
What makes you different from going directly to an insurance company?
When you go directly to a carrier you get one price from one company. When you come to us you get every carrier we represent shopped simultaneously. One conversation. Every option. You decide with the full picture in front of you instead of making a decision based on one quote from one source.
Is there a fee to work with you?
No. Our service is completely free to you. We are compensated by the carriers when we place a policy. That never changes what we recommend. Our reputation is built entirely on referrals and we protect that by always doing right by the client first.
What happens after I buy a policy?
You get our direct number. You get real people who answer the phone. You get someone who reviews your policy at every renewal and calls you if we find something better. And if you ever need to file a claim... we walk you through it step by step. The relationship does not end when the sale does.