Fast, Affordable Car Insurance Starts Here

Ready for auto insurance that respects your budget and meets your needs? You’re in the right place! Start your online quote with A & J Insurance Services now or call us at (561) 586-4955. Our expert agents are standing by to help you unlock incredible savings today!

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Start your car insurance quote and let us help you save

In the state of Florida, we all need auto insurance. Getting a free car insurance quote comparison is always a good idea. Whether you’re looking for cheap car insurance rates, personalized vehicle coverage or an agent you can trust, A & J Insurance Services has you covered!

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Car Insurance Savings

Here are a few ways we help you save on your quote.

Car Insurance Discounts

We make sure you get every discount available. Each insurance company has a their own list of available discounts. not only do we offer quotes from many of the names you already know, we also make sure you get every discount offered by each company. As an independent insurance agency, we have the unique ability to work directly with many insurance companies, that appoint us to write and service policies for them. Let us help you with your car insurance quote and shop all of insurance companies for the best price on the coverage you need.

Personalized Auto Insurance Coverages

Get the car insurance coverage you need with a personalized policy. We make it easy to customize your car insurance policy by working with many insurance companies and giving you options to fit your needs.

Florida Required Auto Insurance Coverages

Personal injury protection and property damage with a limit of $10,000 in coverage is the state minimum coverage in Florida. Otherwise know as pip/pd or basic insurance. These coverages pay for your personal medical bills and damage to to other other property that you cause.

Optional Car Insurance Coverages

even though you are not required to carry these coverages, they can be beneficial to help protect you against additional liability, injuries and damages.

We can walk you through what coverages you need.

We understand car insurance coverages are not the easiest to understand. We’re here to help you break down the meaning of each coverage and how they benefit you.

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Getting a Car Insurance Quote

Fast and easy quotes

  • – We’ll walk you through your coverage options, including Florida’s state minimum coverages to help you get the best car insurance policy at a price you can afford.
  • – We will also ask you all the right questions to make sure you get every auto insurance discount available to you.
  • – Then, you will get multiple personalized rates from all of our carriers.

During your quote:

To get an accurate quote, you will want to have a few things ready. This will help you save time and getting quote comparisons a breeze.

What information do I need to get a car insurance quote?

Here is a list of things you should have available before you begin your free car insurance quote:

  • – Valid drivers license number and date of birth for each driver
  • – The (VIN) vehicle identification number for each vehicle
  • – If currently insured and just shopping prices, A list of your current coverages for an accurate comparison

How to compare car insurance quotes.

The best way to compare car insurance quotes from multiple insurance companies:

  • – Select the same coverages: whether you are looking to change coverage or keep them the same. It’s important to start off with an “apples to apples” comparison for each quote.
  • – Pick the same policy limits: Again, you can just your limits if that’s your priority. But for initial comparison it’s good to keep them the same to see the difference in rates. We can help you adjust your coverages before purchasing your policy.
  • – Also keep the same deductibles: This can also change to meet your coverage needs. Once you have an accurate quote comparison, we can help you pick the right deductibles for you.


This way you will get an accurate picture of what each insurer’s rates are in comparison to your current policy.

From there you can purchase online, over the phone or come into the office. We’re always here to help.

Do I Need Auto Insurance?

Why do you need auto insurance in Florida

In Florida, if you own a car, you will need auto insurance to register and drive that vehicle. Not only does car insurance help provide protections for you, it also helps protect others if your involved in an accident. PIP / PD is the state minimum auto insurance coverage allowed by Florida law to get your car registered and legal to drive on the road. We can help you get a personalized car insurance quote with the best rates, discounts and policy coverages to meet your needs.

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Why Choose A & J Insurance Services?

Why you should let A & J Insurance Services help you with your auto insurance.

We understand that the price associated with inuring your car is an important consideration in your decision to purchace insurance. That’s why we always work hard and go to bat for you to save you the most on your car insurance rates.

Why you should choose A & J Insurance Services for your auto insurance.

As an independent insurance agency, we have so many insurance options to help you save money. Also we are a family owned and operated insurance agency thats takes our clients satisfaction seriously. Every client matters and we truly care about giving you the best experience possible, whether you need to make a policy change, file a claim or get some questions answered, were always here to help with a big smile.

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Getting a personalized car insurance policy with the coverages you need.

In the state of Florida there are laws that dictate the minimum amount of auto insurance coverage you need on your policy to legally drive your car on public roads, but that’s not always enough in many circumstances. We’re here to help you get the right coverages for you. We’ve made it easy to personalize your policy, coverages and deductibles to suit your situation at affordable insurance rates.

Required auto insurance coverages in Florida

Personal Injury Protection: Also known as PIP, Personal Injury Protection covers your medical bills in the event of an accident up to $10,000.
Property Damage: Or PD, Covers any property damage you cause to others while operating your motor vehicle.

In General, this is the absolute bare minimum insurance you need to register, tag and drive your car or vehicle on the roads.

From here, the amount of theses coverages can be increased above the required Florida minimums. There are many options available when it comes to these coverages. If you live in a city with a lot of high end expensive vehicles on the road, you may want to consider increasing the property damage coverage for example from $10k to $50k, $100k or more. This is just one thing to consider of many and we’re here to help walk you through each coverage and give you a complete understanding, so you can make decisions that fit your needs and goals.

Additional car insurance coverages.

These insurance coverages are by no means required by the state of Florida, but can help you get that extral layer of protection you may be looking for. These coverages include protection for vehicle damage, liability to others for injuries as we’ll as additional coverage for injuries to you.

Here are just some of a few other coverage options available to you:

and more…

We can help walk you through each auto insurance coverage and help you understand what each one protects against. There are many to consider and we will make them easier to understand and choose from.

Auto Insurance Reviews from Real Clients

Bryce HumphreysBryce Humphreys
14:53 28 Jul 20
Alfredo was responsive and helped me get set up extremely fast. The rates he provide we extremely fair. I will be switching over some of my other policies. I highly recommend A&J Insurance. Thanks Alfredo!
Amanda ButlerAmanda Butler
20:15 20 Nov 17
The 2 gentlemen that run this insurance haven are so welcoming and helpful. They got me the best insurance at the lowest price the first time around. I haven't and will never leave. Gieco The General and Progressive quoted me double the price that A & J quoted me. And they work with you no matter what the circumstances. I love this place! Go here before you go anywhere else. It will save you time, phone calls, and stress.
Vanessa OspinaVanessa Ospina
23:30 15 Oct 16
Alfredo one of their best; he spent around two hours of his saturday shift trying to help me get the best policy at the best price, I highly recommend this place, costumer service is excellent, they really search for the best deal and take care of your pocket.Plus the staff is bilingual, thanks again!!!
Marcus McnallyMarcus Mcnally
23:26 14 Oct 16
The reviews of other clients are true, except the guy who posted the negative one. Best insurance agency I have ever dealt with, fast, extremely friendly and had the knowledge to match. I was expecting a much higher rate but Robert was able to get me a much lower down payment and monthly premium. I will be recommending this agency to all when the subject comes up.
Warren LongmoreWarren Longmore
19:29 19 Aug 12
This insurance company is top rate. My job has a hectic schedule, and does not allow for much time to hang around waiting on someone to get back to me after putting me on hold. A&J insurance had a 4 or 5 star rating when I looked up insurance companies in palm beach on Google Maps, so I decided to give them a call. From the time I made the call, to completing the setup of a new policy, took about an hour or less, including me driving over there. I also don't mind driving to the office in person to make a payment when I actually have a chance, as the guys are always friendly, and treat you like an actual human being. Even over-the-phone payment is a breeze: 1 dial their number and give identification and payment info; 2 your all set, have a great day:) Great job guys, this is how REAL business is conducted.