Florida Auto Insurance  begin learning the basics.
Florida Auto Plus Insurance Agency - Florida's trusted auto insurance professionals.
Car Insurance Specialists & Florida Independent Agents
Learn the basics of Florida Auto Insurance:
Start Here.
The chance of a successful automobile insurance policy purchase is greatly increased when following the basics.
There are five general steps, outlined below, to assist you in purchasing a policy. For a more detailed discussion of
each step follow the links that are provided. Information throughout this website is designed to inform and assist the
policyholder. Florida Auto Plus insurance agency is dedicated to serving the needs of all Florida residents.

Selecting Coverage Options
Knowing exactly what features you want included in your policy is the first step. Purchasing any product or service
without knowing exactly what you want can lead to confusion and dissatisfaction. Also, a proper comparison of any
product or service is dependent on evaluating the same or very similar features. Basic coverage options available
on a policy are liability, medical payments, uninsured motorist, damage to your automobile, transportation
expenses, and personal injury protection. Once you have decided on the features you wish to purchase it’s time to
shop around.

Comparing Rates
Insurance companies deliver their product to consumers in three distinct ways. Captive agents, independent agents
and direct from the company are the methods utilized. Captive agents are licensed agents who represent one
company. State Farm and Allstate agents are examples of captive agents. Independent agents represent a variety
of companies. Geico is an example of a company which markets their policies directly to the consumer.
A thorough
comparison of policies should include rates from each of these methods. Be wary of submitting personal information
online to comparison websites as this poses a risk of identity theft, spam mail and unwanted solicitations.

Choosing a Company and Agent
The lowest rate should not be the only factor in determining which agent or company you select. Well known top
rated companies will provide the best customer and claims service. There are more than enough companies which
qualify and that have competitive rates. Agents, captive and independent, work on behalf of the policyholder.  
Having an advocate on your side who is a trusted professional can be invaluable.
Florida Auto Plus Insurance is an
independent agency representing an excellent selection of companies. Being independent provides us the flexibility
to change insurance companies for policyholders when rate revisions or life circumstances increase premium.

Completing the Application
Insurance companies rely on the information provided on the insurance application to determine eligibility and
rates for a specific policy. Incorrect or incomplete information on the application may result in an increased premium
or a claim being denied. Understanding and fully completing all the questions on the application is ultimately the
responsibility of the policyholder. When you sign the application you are confirming its accuracy.  Do not simply sign
where an insurance agent points his finger or highlights a page. Read the application before you sign on the
“dotted line”.

Reviewing Your Policy
After the company issues your policy review all the documents. An auto insurance policy is a legal and binding
contract between the policyholder and the insurance company. The contract consists of the declarations page and
the policy jacket (booklet). These documents are relied upon when enforcing the contract.  A simple error in the
seventeen digit vehicle identification number (VIN) can delay a claim or present an administration hassle when
proof of insurance via the VIN number is unavailable.  An undisclosed driver can lead to a denial of a claim.
Reviewing your auto insurance contract for accuracy and making any necessary adjustments will avoid problems.
This section of our website is a basic “how-to”
guidebook for purchasing auto insurance. The
company and agent, completing the application and
reviewing your policy are outlined. A strategy that
expands on this basic information will help maximize the
value received from a policy. Over the course of a
lifetime an individual will typically spend tens of
thousands of dollars for auto insurance.  
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State mandated Florida No Fault PIP PD insurance.
Every policy sold must include at a minimum these
coverages. There are many other options and levels of
insurance protection for the policyholder to consider.
However, many people just want the
Florida No Fault
facts for the bare minimum and we’re happy to provide it.
The PIP coverage portion of the basic policy has a few
different selections. Although this is part of the minimum
required coverage there are
PIP options to lower quotes.
Besides these choices, everyone has to make dozens of
others. They make a big difference in the protection, and
its cost, a policyholder receives. Learn the basics,
options, and discounts you need to know for smart
Not everyone has a good driving, accident, or insurance
history. Many of these drivers are required to maintain
court ordered
insurance to reinstate their license. Proof
of insurance is established with the DMV by way of an
SR22 form. Bodily Injury Liability (BI) is required and
coverage is commonly referred to as
Florida SR22
insurance. Liability limits to satisfy the SR22 requirement
are 10/20/10.
alcoholic related traffic violation. Here the liability limits
are 100/300/50, ten times the SR22. Proof of this
coverage is submitted via the
Florida FR44 insurance
form. This is an expensive after shock for people not
SR22 forms are filed (submitted) to the Bureau of
Financial Responsibility.
No matter what type of coverage you’re required or want
to have there are big differences in the price between
Shopping for Florida car insurance quotes
can save plenty of money. Because rates frequently
adjust a low cost policy can easily turn into a high cost
policy. Having a good strategy and applying it
consistently will yield a
low cost policy for life.
Shopping for auto insurance is the same where ever you
live. However, insurance laws are different for each state.
In every Florida, city, town or neighborhood car
insurance requirements are the same. Polices are legal
contracts which can make them difficult to understand.
Know what you’re getting upfront by asking lots of
questions when receiving a quote. Start saving today.
"Welcome, thanks for calling" - Wally
305 278 1388
Florida Auto Plus Insurance Agency
305 278 1388
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