Car Insurance That Actually Covers You

Florida has some of the highest auto insurance rates in the country, and most people are picking a policy by price alone and hoping it holds up. As an independent agency with 30+ years in Broward County, we compare multiple carriers so the best rate we show you is still a policy worth having.

Florida Auto Insurance Costs Too Much — Here's How We Help

If your car insurance premium has gone up two years in a row and you're not sure what you're actually getting for it, you're not alone. Florida consistently ranks among the most expensive states for auto insurance, driven by high litigation rates, weather exposure, and dense traffic corridors like I-95 and US-1 through Broward County.

 

What most drivers don't realize is that the cheapest quote from a direct-market carrier is often a stripped-down policy — minimum PIP, no uninsured motorist coverage, a deductible that makes filing a claim almost pointless. We compare rates across carriers and show you where the real value is. Cheap and covered aren't the same thing, and we'll help you find both.

What Florida's Auto Insurance Requirements Actually Mean

Florida operates under a no-fault system, which means your own insurance pays for your medical expenses after an accident regardless of who caused it. If you moved here from another state, your old coverage almost certainly doesn't meet Florida's specific requirements — and the rules here work differently than most people expect.

 

Here's what Florida requires and what we typically recommend reviewing:

One Agent for Home and Auto Makes Claims Easier

If you already carry your homeowners, condo, or flood insurance through us, adding your auto policy to the same account isn't just convenient — it's genuinely useful when something goes wrong. When a storm damages your car and your property at the same time, or when a claim touches both your home and auto coverage, having one agent who knows both policies makes the coordination a lot simpler.

 

We handle both sides of the conversation so you're not stuck in the middle between two different carriers trying to figure out who's responsible for what.

What We Can Help You Cover

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Liability Coverage

Covers damage your vehicle causes to other people's property or injuries to other drivers and passengers. This is the foundation of any auto policy and where Florida's minimum requirements start — though minimums aren't always enough given the cost of accidents today.

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Personal Injury Protection (PIP)

Florida's no-fault requirement means PIP pays your medical expenses and a portion of lost wages after an accident, regardless of who caused it. We'll help you understand what your PIP limit actually covers and whether it's sufficient for your situation.

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Uninsured and Underinsured Motorist Coverage

Florida has one of the highest rates of uninsured drivers in the country. UM/UIM coverage steps in when the at-fault driver doesn't have enough — or any — insurance to cover your losses. It's one of the most important coverages most people skip.

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Collision and Comprehensive

Collision covers damage to your vehicle from an accident. Comprehensive covers theft, weather damage, and other non-collision events. If you're financing or leasing, your lender requires both. If you own your vehicle outright, we'll help you weigh whether it makes sense for your situation.

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Common Questions About Auto Insurance

  • Why is car insurance so expensive in Florida compared to other states?

    Florida's auto insurance rates are among the highest in the country due to a combination of factors: high rates of uninsured drivers, a historically litigation-heavy claims environment, weather exposure, and dense traffic in urban corridors like Broward County. As an independent agency, we compare carriers to find the most competitive rate available for your specific situation.

  • What's the difference between working with an independent agent and going directly to a carrier like Geico or Progressive?

    A direct carrier can only offer you their own products. As an independent agency, we compare options across multiple carriers and help you understand what you're actually buying — not just the price. We also stay involved after the sale, which means you have someone to call when you have a question or need to file a claim.

  • I just moved to Florida from another state. Do I need new auto insurance?

    Yes. Florida's no-fault system and specific PIP requirements are different from most other states, and your previous policy likely doesn't meet Florida law. We've helped new Florida residents sort this out for decades — we'll explain what you need and get you set up correctly.

  • Can I bundle my auto insurance with my homeowners or condo policy through AGT?

    Yes, and we'd encourage it. Having your home and auto coverage with the same agency makes claims coordination significantly easier, especially when a single event — like a storm — affects both. We handle both policies and can speak to both carriers on your behalf.

  • Do you offer online quotes for auto insurance?

    We don't use an online quoting system. We prefer to talk through your situation before running quotes so we're comparing the right coverage, not just the lowest number. Give us a call or send us a message and we'll take it from there.

Talk to a Fort Lauderdale Auto Insurance Agent Who Knows the Area

We've been helping Broward County drivers find the right auto coverage since 1993. Whether you're a longtime local, a new Florida resident trying to make sense of PIP requirements, or someone who's just tired of feeling like a policy number at a call center — we're here. Give us a call or reach out through our contact page and let's figure out what you actually need.